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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Bank of America responded to all the double charges stating that they couldnt find them, and they stated that it wasnt a Bank of America error. They stated that I declined the offer to get another debit card, I declined the offer because I have had my debit card changed three times before and it hasnt help the issue. They also said they didnt find any discrimination against me. The discrimination is that my account is in good standing thats why they continue to double charges stating my account.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXXXXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Transunion Credit report. FTC ID Theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity theft report with fraudulent accounts that are reporting to my Experian credit report. Listed below are all fraudulent accounts Experian Fraudulent Accounts XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Your company JPMCB is reporting an account of debt in the amount of {$11000.00} to Credit Bureau 's. I have not acknowledged this debt and have made several attempts to have documentation showing how the debt originated, like a copy of the signed original agreement or contract. These requests were my made by dispute on XX/XX/year>, XX/XX/year>, and XX/XX/year> and none has been provided.
Product: Debt collection

Plaza Servic for the amount of {$400.00}. Account says it was opened XXXX XXXX. Account has been placed for collection. However, I never received anything in writing saying this account was going to be placed in collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I maiiled a notification to SECURITY CREDIT SERV requesting that they remove an account that is not mine from my XXXX and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.
Product: Money transfer, virtual currency, or money service

- The international wire was originated on XX/XX/XXXX. 
- The money could have been credited on my account on XX/XX/XXXX but still hasn't arrived on XX/XX/XXXX. 
- I called American Express Rewards Checking to look into the matter on XX/XX/XXXX. They asked for the OMAD number. At the same time, the informed me that I'm not able to receive foreign wires on my account, which is interesting because I have been receiving foreign wires in the past. The last one was credited on my account in XXXX. Regardless, if this is correct, they should have rejected the wore and sent the money back to the originator that they didn't do. 
- The originator bank is in XXXX, called XXXX XXXX XXXX, started their investigation on XX/XX/XXXX. They reached out to American Express via wire message that they didn't receive a response from. From other banks ' in the process they received the following information : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX } } { XXXX : XXXX XXXX XXXX : XXXX XXXX : WE REFER TO OUR DEBIT TO YOUR ACCOUNT DATED. 
XX/XX/XXXX VALUE XX/XX/XXXX UNDER REFERENCE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
WE. 
CONFIRM PAYMENT EFFECTED IN ACCORDANCE WITH YOUR. 
INSTRUCTION ON XX/XX/XXXX. FUNDS CREDITEDTO. 
THE BENEFICIARIES ACCOUNT UNDER OUR REFERENCE. 
XXXX. 
. 
PLEASE AVOID DUPLICATION. 
. 
PLEASE QUOTE OUR REFERENCE NUMBER, XXXX IN. 
ALL FUTURE CORRESPONDENCE RELATING TO THIS CASE. 
. 
REGARDS, PAYMENT INVESTIGATIONS. 

Still, American Express Rewards Checking is unable or unwilling to locate the funds, credit it on my account, or reject it and send it back to the originator. I request the bureau 's help in this matter.
Product: Debt collection

This company keeps adding information to my credit under different names. Lendmark financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX are all the same! They are now on my credit report twice under two names. But, are also listed under the above named companies as well. They have been harassing my family, and have called impersonating the people at the XXXX County Courthouse, telling me I've been sued and that I have a court date. They have also called me and told me they were suing me and I needed to be home between 3-5 on XYZ date to serve me papers. I was home, and no one showed up. This company is using UNETHICAL tactics to try and get money and have been readding their accounts to my credit under different names and messing up my credit. I do have a voicemail that I can email to you as well, as proof.
Product: Mortgage

Carrington Mortgage did not reduce my mortgage payments based on the reduction of my property taxes going down to {$16.00} per year, and they raised my mortgage payment from {$2900.00} to {$3200.00}. They told me that the adjustment would be made in XXXX and that I would receive a refund. Instead, they raised my mortgage payment, closed out the previous case on my property taxes, and opened up a 60-day review of my escrow. I'm requested to pay {$3200.00} for XXXX and XXXX mortgage payments. This issue should have been resolved back in XXXX when they told me the mortgage company performed their yearly review of escrow. The {$300.00} dollar extra they are asking for me to pay could have caused my mortgage payments to go into default if I wasn't able to borrow the money from a family member. In my opinion, the company acted unethically with this process. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. XXXX by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Student loan

I am XXXX due to a XXXX XXXX. I spent the better part of 7 hours on the phone today and got nowhere. I was never told there were any private loans until I contacted Navient for about the 15th time over the past several years. They never told me anything about a prior private loan before today. They would not give me any information regarding this/these loans and have since retained XXXX XXXX, a collection law firm who has the worst reputation imaginable for harassing anyone who apparently owes debt of any kind. XXXX XXXX contacted a lawyer who represents XXXX XXXX XXXX XXXX and then I received a garnishment issued on XXXX which resulted in my checking/savings accounts being drained to a XXXX balance. I never received any notice of this " garnishment '' and there is no way in the world I will ever provide financial information to XXXX XXXX, knowing they are listed as as " # 1 of the top ten XXXX XXXX debt collectors '' according to the XXXX. As far as I knew, all of my federal student loans were discharged due to XXXX XXXX  XXXX ( XXXX ) on X/XX/2014 ; however, I was never aware of any other loans. I am now literally terrified and at the highest possible XXXXXXX level. At one time, I tried contacting XXXX XXXX and was treated as if I was a criminal ; disrespected ; talked down to ; and the end result was that they wanted me to pay $ XXXX/month when I am on XXXX and could not do that. They were unwilling to negotiate on any level and now they have drained my checking/savings accounts at XXXX. If there are private loans, I am not aware of them and no one I spoke with today would give me any information about them. I do n't know what to do and my XXXX XXXX XXXX XXXX, particularly since I have already had XXXX  XXXX and already suffer from XXXX and XXXX, both conditions for which I take medication. If someone can help or protect me from these vultures, I would be forever grateful. Thank you.
Product: Credit reporting or other personal consumer reports

Om my experian credit report theirs is negative item called XXXX XXXX its a fraud account I filed a federal trade commission identity theft report on file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX act # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct. # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct. # XXXX XXXX XXXX Magistrate Court XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 Usc 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

On XX/XX/XXXX, I used my Paypal Credit account to purchase a XXXX Language Course thru XXXX. I got sick and went into the hospital and was never able to use the service. I never activated or downloaded the course. As I ordered it less than a week ago, I called and emailed XXXX XXXX XXXX XXXX XXXX to cancel my subscription, and to refund the charge back to my Paypal Credit account. On XX/XX/XXXX. I received correspondence that the seller agreed to issue a refund. On XX/XX/XXXX, I was told by Paypal Credit customer service rep that they decided not to. That I would have to file another dispute through the Resolution Center of Paypal asking for a refund. Also, while I was waiting for my refund my billing statement came, and there was a {$41.00} late fee attached to my account. This is an enormous amount to charge a Consumer who has a dispute on their account, likewise, I paid more than the minimum that was due, only to be told that the {$41.00} was added because I was three days late. My billing period ends on the XXXX It was due on the XXXX and I paid on the XXXX of the month. Creditor should not be charging these outrageous late fee amounts to make the Consumer more in debt to the Creditor.
Product: Credit reporting or other personal consumer reports

PERSONAL INFOMRATION ON MY CREDIT REPORT IS INCORRECT, MULTIPLE ACCOUNTS THAT HAVE BEEN REMOVED FROM XXXX STILL APPEAR ON EXPERIAN REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Information - FCRA Violations Dear Experian, I am writing to dispute inaccurate information on my credit report obtained on XX/XX/year>. My full name is XXXX XXXX XXXX, and my Social Security number is XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , this is the ONLY personal information that should be listed on my report, AS NO OTHER ADDRESS CURRENTLY LISTED ON MY REPORT IS A MAILABLE ADDRES. I CAN NOT RECEIVE MAIL AT ANY OTHER ADDRES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Specifically, I am disputing the following : * **Inaccurate Accounts : ** My Experian report contains accounts that are not present on my XXXX report. To ensure consistency and accuracy, these accounts should be removed from my Experian report to align with the information reported by XXXX. 

These inaccuracies violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : * **15 U.S. Code 1681e ( b ) : ** This section mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Failure to comply can result in actual damages, punitive damages, and attorney fees. 

* **15 U.S. Code 1681i ( a ) : ** This section requires credit reporting agencies to conduct a reasonable reinvestigation into disputed information. Non-compliance can lead to actual damages, punitive damages, and attorney fees. 

I request that you investigate these discrepancies and take the following actions : * **Remove the inaccurate accounts from my Experian report to match my XXXX report. ** * **Provide me with a corrected copy of my credit report after the corrections have been made. ** Please be advised that if these inaccuracies are not corrected within 30 days, I intend to pursue legal action to enforce my rights under the FCRA, including seeking actual damages, punitive damages, and attorney fees. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the response to case # XXXX, requested info : STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response " Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' Here are the names, numbers, and nature of the disputes : ACCOUNTS XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX never late/inaccurate XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX XXXX {$340.00} not mine XXXX XXXX {$830.00} not mine
Product: Debt collection

XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly refer to complaint XXXX I have previously submitted documents from XXXX XXXX and pacer as well as XXXX XXXX that clearly state they do not verify. 

TransUnion could not have verified anything properly as no one has certified this as true and accurate-no one has personal knowledge that can certify the authenticity of this Kindly reinvestigate as they are placing unverified and inaccurate information on my file
Product: Credit reporting or other personal consumer reports

Please be advised that I hereby formally request documentation substantiating the investigation undertaken concerning the matter at hand. Specifically, I demand the disclosure of the methodology employed in said investigation, inclusive of all pertinent records detailing the individuals contacted, their respective business addresses, names, and contact telephone numbers. Additionally, I require documentation validating the purported tardiness of the referenced account. 

Should you fail to furnish the requested information within a period of fifteen ( 15 ) days from the date of this correspondence, it is hereby insisted that the account in question be expeditiously updated to reflect a status of " PAID/NEVER Late ''. Furthermore, I expect prompt delivery of a copy of my revised credit report subsequent to said update. Failure to adhere to these directives may result in further legal recourse.
Product: Debt collection

The XXXX office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent.
Product: Credit reporting

This complaint is about Hard Inquiries placed on my credit report by Equifax these inquiries was Fraudulently placed on my credit report and preventing me from obtaining credit. 
XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

It was an account on my credit report that was delinquent charged off. I did not have knowledge of the account, but overtime because I could not get the account taken off due to lack of investigation. I went ahead and paid the balance. I have proved that the account is paid in full, but the credit bureau are not changing the derogatory statement. The status of the account is showing Incorrect information, that the account is written off when, in fact, the account should showed as paid off also, I believe that the date of the account is incorrect. Its going on 10 years and the account is still on my credit report. I asked the reporting agency to remove the account and still have not got any help whatsoever.
Product: Debt collection

I have sent all baseline identifiers ( i.e. state issued id, social security card, utility bill, and a formal written request, to have this company ( merchants credit guide account # XXXX ), remove this fraudulent account from my credit profile, as this account does not belong to me, and can not be verified. I have never had an account, with this creditor, or the original debt collector. I have spoken to a representative from merchants credit guide and no change has occurred. The person that I spoke with is ; XXXX XXXX, and he can be reached at ( XXXX ) XXXX ext XXXX. The amount that this creditor is attempting to collect is {$550.00}.