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

Re : Dispute of Late Payment Inquiries on Credit Report Dear Upstart Network Inc Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following accounts : UPSTART NETW : XXXX UPSTART NETW : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the accounts referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA.

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made a withdrawal from my savings account. Upon looking at my ATM receipt I noticed that my balance stated {$390.00} instead of {$400.00}. Prior to the withdrawal, I had a balance of {$600.00}. I withdrew {$200.00}. My balance should have been {$400.00}. I noticed a charge of {$8.00} service fee. I had this savings account for years. I had never had any kind of fees for having this account. This account was a savings account. I then went to my car and contacted the bank. I was informed by the bank that my savings account had been changed to a checking account and that I the fee charged was a service fee for having that account. I stated to them that I had not authorized capital one to change any of my accounts or requested a new account. I was instructed that because I had made several transactions that my account was automatically changed. I have never heard of such. A few of the transactions made was my moving money from my checking account to savings and vice versa. This is the normal behavior of many who have a checking and savings account. I then requested to speak with a manager. The manager got on the phone refunded me the {$8.00} fee. I stated that you refunded the fee now but now I have to continue to address a fee problem from this point on when I had not had to before. I was told that I would need to now keep a specific amount in my account or be charged. I requested for the account to be changed back to the savings account. I was told that they could not do so. If I wanted a savings account, I would need to request a new savings account and close this account. I informed them that this is fraud and that the bank had no business changing my account and not first informing me. I found out about this by seeing the charge. This is another way for banks to make money by forcing their existing customers to take on new accounts and charging them for having them. I, the customer have not signed or provided authorization for this change. I informed them that I was recording the call and both individuals were ok with the recording. The manager stated that this information is written. The manager stated that if it was his account, he would be upset as well. I informed him that this situation is similar to the XXXX XXXX situation where the bank opened up many accounts in their customers names without permission. I want to send a strong message that this kind of behavior will not be tolerated. This has not been the first time to which I have made transactions, moving money from one account to the next or making a withdrawal. I was told because of my transactions and withdrawals that the account was changed to a checking account. I already have a checking account. I do not need another one. My bank is Capital One. The savings account is XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Goodwill Request for Delinquency Removal Dear XXXX Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. 

I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. 

Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score.

I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. 

I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, Trans Union, and XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed.

I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX  County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over.

I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed.

Thank you!

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to discuss an ongoing issue I have encountered regarding the deposits of cashier 's checks and regular checks into my XXXX account. It appears that the checks are consistently placed on an extended hold, which is quite concerning ( cashiers check deposited XX/XX/year>, regular check deposited XX/XX/year> ). 
Upon contacting my bank for assistance in releasing these extended holds, I have been informed that they are unable to do so due to delays in fund verification from your institution. I understand that XXXX is considered a third-party institution, and that there have been recent concerns regarding fraud associated with your bank. 
I would like to kindly request your assistance in finding a more efficient way to verify the funds for the recent check I deposited. Timely verification would greatly alleviate the inconvenience caused by these extended holds.
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 Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 th an  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

In late XXXX or Early XXXX i received a notification regarding my XXXX  account, Ability Recovery Services has listed an account on my reports. XXXX XXXX XXXX XXXX i called them and spoke with a agent there i let him know this account was previously removed due to being within my Bankruptcy XXXX XXXX. This information was also listed under the account information under my XXXX account. 

The agent stated I do not see you under Bankruptcy and demanded i send him my bankruptcy documents. 

I do not have those documents on hand and with the XXXX effecting the courts it would be difficult for me to get them in a timely manner. At that point i called XXXX   and the agent there, seen the Bankruptcy status on the account as well and submitted a dispute. 

The account was removed from XXXX. 

XXXX XX/XX/XXXX i checked my XXXX report and it is listed on this report still, after i have submitted a dispute. This account was removed from all reports previously Ability Recovery Services XXXX XXXX XXXX {$820.00} Account Opened XXXX XXXX Account Updated XXXX XXXX This credit agency is reporting false information, they are literally putting false dates in order to collect funds again for accounts that are closed. This is hurting my credit. i am in the process of becoming a mortgage broker and striving to repair my credit but this company is making it hard. 

Please investigate and help ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights.

List Date:XXXX Amount : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place on XX/XX/2019 at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX  (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Product: Debt collection

I was XXXX  on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX XXXX XXXX  whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded XXXX XXXX that they were in violation of the HIIPA Laws. XXXX XXXX could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which MBA Law knows and XXXX XXXX XXXX. I spoke with MBA Law who could not validate the bill but stated if I show proof of insurance for the time in question MBA will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. MBA bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked MBA Law to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with MBA Law or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.
Product: Debt collection

My XXXX credit score is around XXXX +/- as my debts are paid in full every month. I made the mistake of answering the first call as I was expecting a call from someone not in my contact list and I didn't know the number from which they would call. That's how Portfolio Recovery figured out that " someone is home ''. I've blocked their number on my XXXX but they call back. They must have the wrong name or number but I don't want to get into an argument with knuckleheads. The number they call from is ( XXXX ) XXXX and the callerID shows " XXXX ''
Product: Student loan

Fedloan Servicing is the biggest joke of an organization. They have lost or " mishandled '' any of my submitted paperwork. They have miscalculated my income MULTIPLE times even after I spoke with them to fix the problem, they have given my misleading/false information about everytime Ive called them, and they dont seem to comprehend law enforcement income. I have spoke to Fedloan Servicing about how overtimes and details are not guaranteed money and can not be reflected when determing a new year 's loan payment. I have spoken with them plenty of times how I am not guaranteed to make said money and how I base my payments on my base pay. Every time I explained to them said information, it goes right over their head. And when I ask to recalculate they tell me my loan may suffer more interest payments because of it, and in turn my credit will be effected. How this organization is so daft is beyond me. I am being penalized by doing the right thing and being honest? This is absolutely unfair and so unprofessional. I tried signing up for income driven, public worker student loans and theyve " mishandled '' my paper ( aka lost it ) twice already. How can I trust them? Short answer I cant. They are stealing my money and pretending theyre blind with incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX