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

This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and XXXX and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.
Product: Debt collection

This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX  in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX  and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX 2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Credit card or prepaid card

For 10 years I have had all of my personal and business credit cards with Chase. One of my businesses with a partner is closing so I called Chase about that card which had a {$2000.00} balance but has never been late. They offered me a settlement plan for 90 % of the balance, which payments I have made on time according to the schedule. I asked repeatedly if this would affect my other Chase cards, was told it would not, and a week later 3 of my remaining 4 Chase credit cards were closed without notice. 

Upon execution of a settlement agreement the amount owed under the plan supersedes any prior balances and becomes the agreed upon amount that will be paid to Chase, in full satisfaction of the debt. After execution of that agreement a refund was issued to my card by a vendor that had mistakenly charged the card for a subscription. It was refunded to the closed account which I can no longer use and am making payments on. Chase 's position is that the refund applies to the balance, which is greater than the amount I owe anyways, and can not be applied to the payments I'm making to Chase. I've talked to like 10 people at Chase and have been told that " there isn't necessarily documentation '' that says that they get to keep the money, " it's policy. '' I've had multiple other Chase employees say that it's not fair, but after talking to a " supervisor '' that just is what it is. It's only {$50.00}, it's not going to make or break me, but Chase is keeping what I view as my money, no one there can explain around the legal principles I've presented as to why it's actually their money, they just are the ones who have it so are keeping it.
Product: Debt collection

I was contacted by a company called XXXX XXXX XXXX who told me jp Morgan Chase Bank was suing me for credit card debt owed from 2006, the guy from XXXX said chase was alleging that I attempted to fraud them in some way and he said if I didn't pay him today they were going to sue me and press charges for fraud. I paid XXXXXXXX XXXX XXXX over the phone due to these threats. The debt is from Pa and is way past the statute of limitations, it's also way past the statute of limitations to file criminal charges too but I paid them because they threatened me and scared me. Im XXXX on XXXX fixed income too. I have also NEVER in my life had ANY accounts with jp Morgan Chase Bank so if this is a real account then it is identity fraud cause I've never had a chase account. I check all three of my credit bureau reports regularly and NEVER once over the years have I ever seen any accounts from Chase. Had I seen it listed as a bad debt collection report on any of my credit reports and saw it was from Chase I would've disputed the account as id fraud. I want to find out if it was illegal for them to make me pay them and if not how can I dispute the account as not mine and get back the money I paid them cause they were threatening civil and criminal charges against me?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/2021 - {$00.00} XXXX XXXX  - XXXX - XX/XX/2021 - {$00.00} XXXX  XXXX - XXXX - XX/XX/2021 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to provide the details of my dispute with XXXX XXXX ( the provider of services ) and My Green Sky ( the credit lender ). 

Since XXXX, I have had an open claim with Green Sky regarding the amount that I am being charged. They put me on disaster relief status, which gave me a reprieve from payments while they investigated my claim with XXXX XXXX. 

The claim was due to the XXXX XXXX stores being closed and me not being able to receive services. I wanted an adjustment on the total amount owed before I paid any additional funds. 

I have called them back weekly or bi-weekly for updates regarding the status of my account. Each time, describing the claim to a new representative and ending with them telling me that they would let my case manager, XXXX, know that I had called. I was never able to get in touch with XXXX and have never received a phone call from him. I repeatedly requested a time that was best for him to schedule a call, or have him leave me a voicemail, or email me. I never received any of this information. I also repeatedly asked if there would be any repercussions of waiting while they investigated my account in regards to my credit score and they said no every time. 

After seeing my credit score today ( XX/XX/20 ), I called Green Sky and the first person I spoke to couldnt even locate my account using my social security number or my account number. She also told me that she would have someone call me back. I still didnt hear from anyone so I called again today and spoke with a manager and for the first time they let me know that they closed the claim citing that XXXX XXXX said all services had been rendered. This is a lie. I have only received 5 services to date. 

Every time I called they said someone would call me back within 48 hrs and no one ever did. I spoke to a Green Sky representative in late XXXX/early XXXX and she never let me know that the claim had been closed, she only said that she would again talk to XXXX about it and they would call me back with an update. I also asked her if I was still under the disaster relief and that no payment would be due at this time and she said that was correct. This was a clear indicator to me that no payment would be due until this investigation and adjustment was concluded, and I was informed. 

I called XXXX XXXX today ( XX/XX/20 ) and they confirmed that I received the following services on the following dates : Date Service Price XX/XX/20 1 treatment {$150.00} XX/XX/20 2 treatments {$500.00} XX/XX/20 1 treatment {$150.00} XX/XX/20 1 treatment {$340.00} Total Cost {$1100.00} I want to have my account adjusted appropriately to reflect the services that have been provided and I want to pay in full immediately upon receipt. In addition to the adjusted bill, I require in-writing that any negative credit reporting, including the 2 late payments and any future late payments or derogatory that may be assessed, will be removed upon payment and the account left in good standing to all 3 credit bureaus. 

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

Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to  XXXX  an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get   XXXX   to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since   XXXX   has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
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. 

Account Name : XXXX XXXX Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or 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 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: Mortgage

I have attempted to apply for a short sale and was advised by PNC ( The Servicer ) that the file has been reviewed too many times during this delinquency cycle. That my only options are to bring my account current or sell property outright to cover everything owed to the bank. That once I bring my account current that I can then file for a short sale. 

If I could bring the account current, I would keep the home. Is n't the whole point of a short sale is to allow the home owner to leave gracefully from the property when we can not afford to keep the home and to avoid foreclosure?? 

My loan is owned by XXXX XXXX and per FHLMC I am allowed to be reviewed for a short sale - and possibly even a streamline short sale.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I didnt not authorize or give any authorization for my credit to be ran with your company, I am unaware of the matter that occurred
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXX/XX/XXXX
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. 

Account name : XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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 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 card or prepaid card

I made a purchase at XXXX XXXX on XX/XX/2020 in the amount of {$3700.00} and put it on the store credit card. After my purchase for about 1 month I did not receive a statement or a Store card in mail. I contacted the company that provides the Financing for Comenity bank that I had not received my statement and Credit card in mail. I was informed by the Customer Service Rep that the statement is in the mail. After the 2nd month I contacted Comenity bank again that I had not received the Credit Card or the statement in mail. At that time they verified my Home Address and indicated to me that they did not have my correct address on file. They had a completely wrong address on file, that I did not provide. So my statements and my credit card was sent to wrong address. They corrected the information, and since my account was past due took a payment from me and removed the late fee as it was their fault. My account was brought up to date until my next payment would be due on XXXX XXXX. 

I was also walked through accessing the account online and I was able to setup an automatic payment that would get taken out from my Checking Account. On XX/XX/XXXX, I received a letter from Comenity bank indicating that my automatic payment was cancelled. The letter did not indicate why it was cancelled. When I logged into the account online, I did not see the account that I had setup and also my account was showing past due and I was once again assessed a late fee. 

I setup Automatic payments again for the next payment cycle and went ahead and made a payment online to bring my account current. I contacted Comenity bank disputing the Late Fee, indicating to them that I had setup an automatic payment and I am not sure why it was removed and cancelled and why I am being charged a late fee and would like the late fee removed. The rep and his manager told me that they could not take off the late fee because they can only take 1 late fee off in 18 months. 

The first late fee was taken out because it was clearly an error on the Credit card company side. It seems to me that Comenity bank is making a revenue stream by removing a customer 's automatic payment information and then charging them a late fee. They have no system in place to verify that the automatic payment information is correct and they do not notify the customer if the information does not verify, they simply charge their customer who may have entered their information in good faith. I do believe this is very misleading and hurts many consumers.
Product: Debt collection

On XX/XX/XXXX, I came home to a lawsuit for over {$2000.00} taped to my front door filed by XXXX XXXX XXXX XXXX. on behalf of an apartment complex, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Apartments, where I lived for 4 months in XX/XX/XXXX, 3 years ago. I am told I have 20 days from that date to respond. I was constructively evicted due to their unresolved problems and unsanitary conditions of infestation of mice, scorpions and roaches. 

Today, XX/XX/XXXX, in review of my credit report I received in the mail, the XXXX XXXX XXXX debt collection agency has ran my SSN without my permission gaining access to my credit report on 2 different occasions, XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX
Product: Debt collection

In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.