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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  ACCOUNT # 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor 10 XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In obtaining a copy of my consumer report from Experian and thoroughly going over it, ive noticed several inaccuracies. As i am well aware of my rights under the FCRA, i am demanding a thorough investigation into these inaccuracies and an immediate deletion of these accounts that can not be properly verified. XXXX XXXX XXXX, XXXX XXXX, 2009, defines XXXX as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. What this means is that Experian must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). If Experian does not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit reports XXXX Transunion XXXX
Product: Debt collection

On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX  drivers license and passport serveral times and can not get my reports.
Product: Student loan

My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON XXXX XXXX XXXX XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

Several weeks ago I received an offer from BBVA USA to open a credit card. The advantages of the credit card were that I was to receive a {$100.00} bonus if I spent {$500.00} in the first 3 months that the card was opened. In addition I was to receive points equal to 3 % of a bonus category of spending which in my case I chose healthcare. When i went to open the card I was offered an additional bonus of points worth {$50.00} for opening a checking account which I did. 

Several days ago I made my first purchase on the card of {$130.00} for a doctor bill and all seemed well. Earlier this week I then made a chare of about {$3500.00} for a hospital bill and my account was blocked. Today, XX/XX/XXXX, I was directed to the fraud department and reported that the charge was one I had authorized. I was told by the fraud department that I needed to submit a very large amount of documentation to prove my identity to unblock my account. I also received indication that I would not get my bonuses unless I unblocked the account I feel very much that this is a bait and switch. If I knew I would have to submit the amount of documentation requested I would never have opened the account nor used it. I also feel that I was incented to use the account for my medical bills and that as soon as I used it the account was blocked which has clearly used up my available credit and given me a card which is now useless to me. 

I also feel that this may have been now for the sole purpose of not only denying me the use of the credit card and hurting my credit rating but also so the bank does not have to pay me the bonuses which I have earned which include the {$100.00} for opening the account and spending {$500.00} within 3 months, the {$50.00} for opening the checking account and the $ XXXX I have earned for the 3 % bonus for the amount I have spent on the account.
Product: Debt collection

I went to the Hospital Emergency room for a XX/XX/XXXX on my XX/XX/XXXX that neededXX/XX/XXXX. Upon arriving at the emergency room I gave the clerk my 3 medical insurance cards. A few months later I received a notification from this collection agency about the past-due bill for my ER visit. I wrote to them in XX/XX/XXXX explaining that I gave the hospital representative my medical insurance cards and that my insurance was never billed for the visit. Therefore I was baffled that I received a collection notice. In the correspondence to the collection agency, I included copies of my 3 medical insurance cards that I had presented to the hospital explaining that my insurance was never billed for the visit. Explaining that the normal procedure is the insurance is billed and after they pay if there is a copayment requirement for the service I would pay it. Once I received the bill stating what the insurance paid and what I was responsible for. On XX/XX/XXXX I received a second notice from the collection agency who I guess has not queried the collection with their client but is insisting that I pay XXXX cash even though I sent them and their client the hospital my 3 valid medical Insurance cards. Yesterday I was notified by my credit reporting agency that a new collection account for XXXX was placed on my credit report. This is totally unfair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the CFPA. Specially, cashapp refused to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These issues have causes major inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Consumer Loan

I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.
Product: Mortgage

On XX/XX/XXXX, I received an off scheduled Escrow Statement from PHH Mortgage Services XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX. I received an Escrow Statement claiming a shortage with a Proposed increase in Payment. I called today, Monday XX/XX/XXXX & spoke with a female claiming to be XXXX, ID # XXXX then to XXXX, ID # XXXX  regarding the matter. According to XXXX, the tax department checked the website in XX/XX/XXXX & claim the tax would go from $ XXXX {$3200.00}. I told him, Mayor XXXX XXXX sent out a letter that states, NO TAX INCREASE. He never requested a copy. He said he would forward the information to the unit that deals with tax. He was unable to provide me with the information from the City if XXXX that was used for the proposed increase in the mortgage. How many other residents are been ripped off by PHH who is part of Ocwen Service LLC ( who made a settlement to pay homeowners who they foreclosed on because of their procedures & policy )
Product: Debt collection

I have disputed the charges due to identity theft for SYNCB / Lowes in the amount of {$380.00}. I have asked to remove the account.
Product: Money transfer, virtual currency, or money service

Im trying to link my bank to the XXXX XXXX and it wont let me
Product: Debt collection

There is an account on my credit report from XXXX stating that I owe {$890.00}. The address linked to that account is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Ive never lived at this address and currently have an open account with XXXX. This debt collection is inaccurate and I would like for it to be removed from my credit report. The account balance was also transferred to another lender which is illegal under the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX   holds the money. i have double checked with XXXX XXXX, they are not holding this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Chase Bank made A hard inquiry to all credit bureaus regarding my credit information without my CONSENT. 
I made clear with Chase that i didn't want to do business with them because, They didn't hold to a prior agreement, involving an account incentive. 

I have ask them to delete duplicate inquiries that are due to run for two or more years. 

These inquiries, Affect my credit score severely, as i am preparing For home ownership.
Product: Debt collection

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove thin inaccurate information as you are in violation.
Product: Debt collection

I attempted to take a course online with XXXX college during the time I sent a down payment I was unable to go on with the course due to online interaction with course material I made numerator contacts with them the problem wasnt fix I then opt out of the course they wouldnt let me I couldnt move forward in this course why should I have to pay for a course I didnt begin and couldnt this unfair that they are requesting money from me and slandering my credit
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
XXXX USC XXXX ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that yo have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my TransUnion Credit Report immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

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

My consumer report regarding my criminal record. That has been expungement by the court. I will submit the paperwork
Product: Mortgage

Ditech recently sold off our loan, and we have not heard from them or the new company. 

Currently, as of XX/XX/XXXX, Ditech is asking for excessive late charges, has something unique on my bill which is holding " funds in suspense of XXXX. I have tried to contact Ditech and make a payment but the account is closed, yet they are asking for a series of payments with a due date of XX/XX/XXXX. I have yet to hear from the new company servicing the loan. I am concerned that Ditech is racking up late fees, adding funds in suspense and making the balance as high as possible and then sending it off to another company. We had a major injury in the family and went to one income but we have a long history of being current. I would like to make sure that my payoff balance is fair and that I have not been taken advantage of in this transfer process. 

Why hasnt the new company sent me correspondence? 
Why is ditech sending me a bill with a future due date? 
What is " Funds in suspense '' Can you please make sure that Ditech has treated us fairly. We have been in contact with them and have been trying our best. They have 20 minute wait times and it is hard to get through
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act NCB Management Acct # XXXX has violated my rights.

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. XXXX has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and XXXX to follow the law as well.