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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Experian Customer Service I am writing to follow up on my previous correspondence regarding my XXXX XXXX account ending in XXXX, account number XXXX. On XX/XX/XXXX, I wrote to you requesting an investigation into this account, but I did not receive a response. Subsequently, on XX/XX/XXXX, I submitted another letter requesting further investigation. On XX/XX/XXXX, I received a response indicating that the account had been updated and verified. I will attach a copy of that letter for your reference. Additionally, on XX/XX/XXXX, I reached out directly to XXXX XXXX to request specific information regarding this account, including the first date of delinquency, the date of last activity, and the date of charge-off. XXXX XXXX responded on XX/XX/XXXX, providing the requested details, which I will also attach for your records. According to their response, the account was charged off on XX/XX/XXXX, and the first date of delinquency was XX/XX/XXXX. However, I have noticed discrepancies in the reporting of this account on my Experian credit report. Specifically, Experian is reporting this account as being paid on time for both the charge-off date and the first delinquent date, which does not align with the information provided by XXXX XXXX XXXX Additionally, the account is marked as charged off but is still reporting a past due balance. If Experian conducted a thorough investigation and verified this account with XXXX XXXX, I must question how these inconsistencies were overlooked. I have kept a meticulous record of all correspondence regarding this matter. If this issue is not addressed promptly, I will have no choice but to consider legal action to ensure my rights are protected. I appreciate your immediate attention to this matter and look forward to your prompt response. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had enrolled in paperless statements and had been receiving statements via email up to and including XX/XX/2018. Did not receive any statements for XX/XX/XXXX or XX/XX/XXXX,  thereby incurring late fees. Synchrony wrote off XX/XX/XXXX 's late fees, but not XX/XX/XXXX even though I complained to them that I was not receiving their emails. I totally believe that Synchrony is doing this intentionally to collect late fee monies.
Product: Checking or savings account

This is the continuing of a closed complaint with no resolution. CFPB does nothing for the consumer but I wanr people to see that this bank and CFPB its not pro consumer. 

Today is Saturday, XX/XX/XXXX and nothing has changed after XXXX days of this issue. I dont have my debit card and my requested compensation ( that my lawyer will take care of that ). I only receive the letter that Ive been submitting to my creditors. A job that they shouldve done because its their fault but now Im stuck losing my time thanks to them. 

Ive had to borrow money to go to my doctors visits and do my errands as I still have no access to my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Experian.pdf As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I got a notice from the Navy Federal Credit Union and the letter stated this : " Under New York laws, you have the right to request a large print version of any collections notice you may receive. '' I have no accounts with this credit union. 
I called Navy Federal Credit Union and they put this account on fraud alert. They will do the claim on this account and will mail me the results within 10 days. Whoever set up this account also got my social security number which I'm very worried about. I called XXXX and they will put my report on alert after I send them identification. I plan on calling social security to alert them on what's happening. I'm very worried this person will set up other accounts under my name and try to steal my money. I don't have any of my personal accounts online in hopes that something like this would never happen. But it did anyway. I don't know how they got my social security number and that really troubles me.
Product: Credit reporting

I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.
Product: Mortgage

I have always received a check to pay my property taxes. It has always come around the middle of XXXX. I called today XXXX because I have not received it yet. I was told that it was changed to installments in XXXX. I did n't receive any notice of the change. And will not be able to take a tax right off if it is n't payed in full by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT DELETING two items in the credit report about an obligation to XXXX formerly XXXX XXXX for solar energy installation. 
I have informed Equifax that the XXXX XXXX XXXX XXXX is to pay for power generation NOT instalment to purchase and own the two installations. 

I have also informed Equifax that the XXXX Agreement states this : 9. Ownership of the System ; Tax Credits and Rebates.

You agree that the System is XXXX personal property under the Uniform Commercial Code. You understand and agree that this PPA is not a contract to sell or lease the System to you. 
XXXX owns the System for all purposes, including any data generated from the System.

This has affected my credit score.

I am attaching the two docs re Equifax resolution Ironically two others XXXX and XXXX does NOT have this in their report. 

THIS IS THE TWO ITEMS IN DISPUTE WITH EQUIFAX I CAN NOT GET DELETED. 

Installment Accounts Report Date : XX/XX/2020 Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. 

Open Accounts XXXX| xxxxxxxxxxx XXXX {$16000.00} Remaining Balance {$130.00} Last Payment Amount 0 Late Payments 5YRS 5MOS Age of Account XXXX| xxxxxxxxxxx XXXX {$24000.00} Remaining Balance {$220.00} Last Payment Amount 0 Late Payments 6YRS 7MOS Age of Account THE DISPUTE COMPLETION IS ATTACHED. 


I also have a case where their XXXX solar installation does NOT appear in their credit report as an installment account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX XXXX XXXX  ) IN XXXXXXXX XXXX. 



Dear XXXX Staff : I am suing each person below from XXXX Individually in XXXXXXXX XXXX XXXX XXXX. 
1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX of XXXX 3. XXXX XXXX XXXX XXXX XXXX Registered Agent Name / XXXX XXXX ) XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX of XXXX XXXX ( Please see attached legal summons to appear XXXX AT XXXX ) CC XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXXXXXX XXXX XXXX  In XXXX XXXX XXXX XXXX by XXXX XXXX 
CC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX. 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC XXXX XXXX XXXX XXXX  XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please contact me if you want to resolve this matter )
Product: Student loan

My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!
Product: Debt collection

Midland Credit Management keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I the natural person and original creditor XXXX XXXX XXXX XXXX ) was entered into credit transactions that I did not authorize or consent to. I am a victim of identity theft and fraud. somehow my information got onto the dark web and now these scammers are using my information to open new accounts and apply for new credit without my consent. I attached both of my FTC Reports that I filled out ( # XXXX & # XXXX. I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. REMOVE IT IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 this consumer sent a certified letter informng XXXX that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from XXXX requesting a copy of my identification and a copy of proof of m address! XXXX is stalling, while this company stalls my life is being negativly affected byt their false reporting!
Product: Debt collection

when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Westcreek, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX takes oney but does not give it to the inmates account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation XXXX XXXXXXXX  Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation XXXX XXXXXXXX  is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

On XX/XX/XXXX, I had a XXXX done at my doctor 's office. I followed up with my doctor 's office several times regarding the results. On approximately XX/XX/XXXX, my doctor 's office informed me that XXXX XXXX had lost the XXXX sample so they would be unable to provide the results to me. On approximately XX/XX/XXXX, I received a statement from my health insurance company XXXX XXXX XXXX XXXX stating they had denied a claim from XXXX XXXX for {$370.00} for service dated XX/XX/XXXX. I filed a request to XXXX XXXX for investigation of XXXX XXXX submitting a claim for services not performed. In XX/XX/XXXX, I started receiving bills from XXXX XXXX for {$370.00}. I called XXXX XXXX twice, once in XX/XX/XXXX and once in XXXX, contesting the bills and I told them that XXXX XXXX never provided the biopsy results to my doctor. An employee told me that XXXX XXXX sent the results to my doctor on XX/XX/XXXX, but my doctor 's office confirmed they never received the results. I asked the XXXX XXXX employee if they could send the results to me and he said yes. However, they never sent the results to me either. On XX/XX/XXXX I started getting collection notices from XXXXXXXX XXXX for the {$370.00}. I called on XX/XX/XXXX and an employee told me they would look into the matter with XXXX XXXX. There was no further response from them except for additional collection notices. On XX/XX/XXXX I received a notice from a new collection company, Credit Collection Services. I called on XX/XX/XXXX and spoke to an employee, who said they would mark my account as disputed. On XX/XX/XXXX, I received another letter from Credit Collection Services saying that they were going to report the balance on my credit report. On various dates in XX/XX/XXXX, I discovered that they had reported the {$370.00} as a collection item on my credit report. Prior to that, I had perfect credit all my life and my credit score was XXXX. Because of this fraudulent debt, my credit score has decreased to XXXX! I filed disputes with the credit bureaus XXXX, XXXX and XXXX. XXXX did an " investigation '', which consisted of basically asking XXXX XXXX if the balance was owed and they said yes, so XXXX informed me the item would not be removed from my credit report. I haven't received results from the XXXX or XXXX disputes yet, but I expect they will be the same, if all they do is contact XXXX XXXX and ask if the balance is owed. This is very unfair and XXXX XXXX should remove this fraudulent item from my credit. To this date, they have still not provided any results to me or my doctor 's office. It's not that I can't afford to pay {$370.00} ; it's just the principle of it. I refuse to pay {$370.00} for services that were never provided.
Product: Debt collection

I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.