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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The XXXX credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

The company that financed my auto loan has charged excessive fees and refused and refuses to waive any late fees. The interest on this loan is excessive as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent verification to Experian from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( Experian ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX account name : Dept of educationXXXX XXXX, has violated my rights. 

Account # XXXX account name : XXXX XXXX XXXX XXXX has violated my rights and is it applicable to me. 

Account # XXXX account name : XXXX XXXX, has violated my rights and irs not applicable to me. 


Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A states that 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its repeated failure to conduct a thorough investigation into inaccurate items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, and again on XX/XX/XXXX, I diligently submitted dispute letters to TransUnion, highlighting inaccuracies and incorrect personal information listed on my credit report. Despite my efforts and inclusion of all necessary documentation, including a copy of my photo ID, social security card, and recent bill with my current address, TransUnion has consistently failed to fulfill its legal obligation to conduct a reasonable investigation into the disputed items. 

Furthermore, I sent another dispute letter on XX/XX/XXXX, once again requesting an investigation into the inaccuracies on my report. Despite providing ample evidence to verify my identity and address, TransUnion has continued to neglect its responsibilities under the FCRA. 

The only response I received from TransUnion was dated XX/XX/XXXX, which stated the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is not only dismissive but also fails to address the substance of my dispute. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate It is evident that TransUnion 's actions are not only inadequate but also violate my consumer rights protected under the FCRA. As per the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. TransUnion 's repeated failure to do so is unacceptable.
Product: Debt collection

I am a XXXX Senior Citizen and I also suffer from a Severe XXXX XXXX. On XX/XX/XXXX I received a bill from XXXX XXXX XXXX with a due date of XX/XX/XXXX. This bill showed an amount due for lab services performed on XX/XX/XXXX and XX/XX/XXXX. I had no idea what this was for. I attempted to contact them by phone, left numerous messages, and never received any response. I did look at my insurance explanation of benefits and found this was for lab tests, which I get done every 3 months at my physicians office, XXXX XXXX. I have gone to this doctor for at least 6 years and have never had any issues with lab bills. I emailed and spoke with my Doctors office and was instructed not to pay the bills. Apparently the Doctor 's office and XXXX XXXX were in a dispute and also Merchants Collection was harrassing their patients. In the past with other lab companies through this doctors office, I have never paid anything out of my pocket for lab tests. Had I been made aware before I had the tests done that I would owe a balance I would have never had the tests done. I never signed any document and I was completely unaware of these charges. 
On XX/XX/XXXX I received a collection letter from Merchants & Professional Collection Bureau. I disputed the bill. I even called and left a message for the owner of XXXX XXXX to call him to discuss this. No response. Also, my doctors office told me that these bills were filed as Out of Network through Insurance. Their website page clearly states this : If an EOB states that XXXX XXXX XXXX is an Out-of-Network Provider, then they will make all attempts possible to ensure that the patient is only responsible for the amount owed as if XXXX  was an In-Network Provider. 
I have asked this collection agency for proof in writing from all parties of the contract between the doctor and the lab company. They told me the agreement was done by XXXX XXXX XXXX and no contract in writing. I am asking that the CFPB investigate this. I just received another collection letter dated XX/XX/XXXX. I am a nervous wreck about being harassed as I continue to receive letters from this collection agency. They also reported it to all 3 credit reporting agencies and I have been rejected for credit because of this lab bill that I do not owe. Thank you
Product: Credit card or prepaid card

I received two mailers from Chase to apply for the Business credit card. Why don't Chase advertise or specify whether this is just a offer or approved one or on what basis they sent this promotion for me.

When i applied for this credit card ( where my credit score is more than 800 ) but still it is being declined. If Chase has to decline my application they should not have sent me this offer twice via mail, right?

It hurts my credit score and i have some specific doubt about Chase - what kind of practices they are following just to cheat the regular folks like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.
Product: Mortgage

On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us. 
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check. 
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter. 
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either. 

Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?
Product: Debt collection

I was contacted by AR Resources about a medical bill that I did not know existed. When I contacted the medical organization ( XXXX XXXX XXXX ), I realized that the invoice was wrong and I submitted a dispute. While the dispute was active my invoice was put on hold so the correct amount could be determined. 

About a month later I got another call from AR Resources saying that I owed the money. I told them that I had disputed the charges and the invoice/account was supposed to be on hold. 

He told me that the medical organization had contacted him 2 days earlier ( XXXX XXXX by email ) and told him that my dispute had been denied and that I owed the full amount. I was so confused as to why I had n't heard directly from the medical organization and I asked him why XXXX XXXX XXXX had n't let me know and why was I only hearing about the dispute being denied from him. 

He told me that XXXX XXXX XXXX would n't call me about the dispute because AR Resources was the point of contact on the issue. He told me they were going to put it on my credit in a couple of days if I did n't pay him. I could n't risk my credit getting damaged by this, so I paid him. 

I then called XXXX XXXX XXXX to ask them why they did n't contact me to tell me they had denied my dispute. They told me that my account was still on hold, nothing had been determined yet, and they had never contacted AR Resources saying the dispute was denied. They said they are n't allowed to talk to anyone about the rulings of my dispute except for me. They said they had it on record that they had contacted AR Resources to let them know the invoice/account was on hold and not currently due. 

AR Resources lied to me about how much was owed because at that point nothing was owed, my account was on hold until the invoice could be corrected. He lied to me about the dispute being denied. He lied to me about him being the only point of contact on the issue. And now I 've paid money on something that I have no idea the actual amount that 's due on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized activity on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following unauthorized inquiry be blocked and permanently deleted from my credit file : Unauthorized Inquiry : First Investors Fin Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX  # : XXXX, Account Name : XXXX # : XXXX, Have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.
Product: Mortgage

I am filing this complaint after receiving a letter from Chase today alleging a lie to cover up their illegal activities. In the letter ( see attachment ) dated XX/XX/XXXX Chase asserted that we cant consider you for mortgage assistance because we didnt receive your initial request by the required number of days before the scheduled foreclosure date. THIS STATEMENT IS A LIE. I REPEAT. THIS STATEMENT IS A LIE, AND I CAN PROVE IT! 
Chase has repeatedly made false allegations like this to us for more than four years. Most of the Chase Request for Mortgage Assistance applications we have sent to Chase have been ignored ( see attachment ). Nonetheless, In XX/XX/XXXX, our Chase dedicated relationship manager in XXXX, Florida spoke to the Chase branch bank manager and vice president in XXXX, Georgia. He ( the vice president ) told her ( our dedicated relationship manager ) that he personally faxed all of our documents to her the previous week and confirmed their receipt in her office at that time. In spite of this fact, she requested through the branch bank vice president that we submit our application and all required documents to her again for the 33rd time in 18 months ( see attachment ). Consequently, our dedicated relationship manager sent to our home address a XXXX envelope for us to submit our application and documents back to her again. We sealed the documents in that envelope and took it back to the Chase branch bank so that Chase employees could send it to her through XXXX. 
The Chase branch bank in XXXX, Georgia took receipt of our envelope of documents and gave them to XXXX. XXXX tracking confirms that our application was received by our dedicated relationship manager in her actual office on XX/XX/XXXX at XXXX XXXX ( see attachment ). After that date, we never heard from our dedicated relationship manager again regarding ANY aspect of our application. 
Chase proceeded in XXXX to schedule a foreclosure on our property for XX/XX/XXXX in violation of the laws of our state for multiple reasons, including failure to provide proper notification as required by law. As such, this proves the statement made by Chase to us in their letter dated XX/XX/XXXX is a lie because we submitted our Request for Mortgage Assistance application to Chase more than thirty days before Chase took illegal action to attempt a foreclosure on the date of XX/XX/XXXX. Our " dedicated relationship manager '' failed to process our application despite our having previously submitted it to her in XX/XX/XXXX, and well as on 32 previous occasions in the past 18 months.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I received a collection notice from the company. I paid it, in full, on their website. It took them 2 days to process the payment, and then their website showed paid in full. The client 's website then showed that the payment was NOT in full, and that there were other fees, and amounts still due. When asking the collection company to provide a " paid in full '' letter, they declined, and told me to pay their client the balance claimed. Not only have they misrepresented the amount due, but would not stand behind it, when it was paid in full - classic bait & switch. It is fraud. To settle an account with full payment, and then to pull this kind of stunt is illegal, and they should be sanctioned. The client of XXXX XXXX XXXX is XXXX XXXX ( XXXX  ) Clerk of Courts, for the payment of a traffic ticket. The amount paid was in a written letter, and as appeared on their website. It stated that the full amount must be paid, which was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge
Product: Credit card

TJmaxx Reward/Synchrony. and or their collection deptarment. They are calling my Work phone! I would like them to stop. They have my cell phone number, they have my email, they have my address. They Do Not have to call my work phone. They are going to get me fired! I have my cell phone on vibrate at work, I can not answer it at work. They are calling me every half hour, and from various different phone numbers. XXXX XXXX XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank treated me horrible during covid they reported me late on XXXX are reporting me late 30 days when I called them To make payment arrangement and they agreed they would give forgiveness and not report me late they are ruining my credit score shame comenity bank sucks and XXXX is out of business they should remove this late mark off my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$460.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX  {$460.00} This dispute is not for credit repair. These accounts do not belong to me. I have disputed these items with XXXX, XXXX, and Experian, but the credit reporting agencies have not removed these accounts from my credit profile.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the debt you claim I owe in the amount of {$1300.00}, as allowed under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I am requesting validation of the debt pursuant to 15 U.S.C. 
Please be advised that I do not wish to receive any further communications regarding this alleged debt. I states that multiple times and still receive phone calls and letters. So This includes, but is not limited to, phone calls, letters, or any other forms of communication. I expect your compliance with this request effective immediately. In addition, as per the FDCPA, I request that you provide me with the following information regarding the alleged debt : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is currently owed. 
XXXX. Evidence that you are legally authorized to collect this debt. 
XXXX. A copy of the original contract or agreement that created the debt. 
XXXX. Proof of the debt, including any relevant account statements. 
If you can not validate the debt as requested, I ask that you remove the debt from your records and cease all collection activities.