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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Medical Debt Reporting Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint regarding the inaccurate or improper reporting of medical debt on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the recent credit bureau policy changes regarding medical debt reporting. 

Details of My Complaint : Medical Provider :XX/XX/XXXXXXXX XXXX Creditor/Collection Agency : XXXXXX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX Date of Service : UNKNOWN Amount Reported : {$1300.00} Credit Bureaus Reporting This Debt : [ Experian, XXXX, XXXX ] Reason for Complaint : The debt was incorrectly billed and should not have been reported.

The medical provider/collection agency failed to provide proper documentation to validate the debt.

I never received a bill or notice about this debt before it was reported.

Attempts to Resolve the Issue : I have already contacted EXPERIAN, XXXX AND XXXX to dispute this item, but they have failed to properly investigate or remove the debt. I am now seeking the CFPBs assistance in enforcing my rights under the FCRA and recent medical debt reporting changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : ALDOUS AND ASSOCIATES {$98.00}
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX is violating my privacy act. I have filing complaint against these so call credit companies since 2017. Help Help
Product: Mortgage

Ive been submitting loss mitigation packages to AmeriSave Mortgage for over XXXX year as of XX/XX/2023. Ive submitted XXXX packages and I have XXXX currently pending. I send all the required documents, but the lender always state that they didnt receive my documents. I faxed and emailed the packages each time and they still act XXXX they dont have the documents. I spoken to XXXX supervisors but nothing changed. They told me as long as my package is pending the foreclosure process would stop. Today I was told that my package hasnt been approved, therefore I still have an active foreclosure date of XX/XX/2023 foreclosure date. I spoke to XXXX supervisors topday who stated that they would reach out to upper management and return may call. XXXX XXXX is listed as the processor, but I havent been able to reach her or the supervisor I spoke with today. 

I feel that this company has stringed me along for 11 months with false hope and havent processed my Loss Mitigation package. I can afford my home and I want to save my home. I just. Need a modification and I can resume monthly payments.
Product: Debt collection

According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g I requested a copy of the original agreement and a validation of the debt owed. I have no written agreement with LVNV Funding for the alleged debt owed. I also requested proof that the statute of limitations has not expired. Therefore I am requesting that this debt be removed from my credit report immediately.
Product: Credit card

Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge past due fees that exceed the amount of the payment due and jack-up the interest rates. I believe that they are violating the law on several points and have cost me large amounts of money as well as aggravation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX approximately I called Midland credit to resolve the issue and he acknowledged I had a dispute from XXXX already in place and said he would send me paperwork and it's been over two weeks still no paperwork and my credit still is in limbo please can you help
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : 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 I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my cfredit report
Product: Credit reporting or other personal consumer reports

THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

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

Equifax has several accounts that are not mine listed and will not remove them. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I would like these accounts removed they are not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX  {$630.00} XXXX XXXX  {$1700.00} XXXX XXXX XXXX  {$2500.00} XXXX XXXX {$7400.00} 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.In accordance with the Fair Credit Reporting act. 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there " XXXX XX/XX/2022 '', it has been on my consumer report for about a month now.
Product: Credit reporting or other personal consumer reports

I am writing on my own behalf to address an issue concerning incorrect personal items on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Money transfer, virtual currency, or money service

Hello, first of all, I 'm very grateful to have you guys as a resource for these types of problems. Thank you! 

On XXXX XXXX, 2017, I sent a Wire Transfer in the amount of {$1000.00} USD from my XXXX XXXX XXXX Account to Coinbase , Inc through XXXX XXXX XXXX. The Wire Federal ID # is XXXX Coinbase emailed me the same day stating " You recently sent a wire to your account for {$1000.00} USD,  unfortunately, we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. '' It 's been 2 weeks and my bank has not received any money back and they confirmed that the money has been wire transferred out successfully to Coinbase. I have emailed Coinbase 5 times, and I just get automated responses with no solutions. I have nobody to reach in their company.
Can you please help me? 

Thank you! 
XXXX XXXX
Product: Student loan

My loan is in default but not by my fault. Navient is horrible. They were taking my loans out whenever they felt like it, up to 4 days before the date I had chosen with the original loan holder. It was causing all kinds of hardships like overdrafting my bank account. I contacted my bank and told them Navient was not abiding by the original agreement I had with my school loan lender. I never made any sort of agreement with Navient. It turns out that Navient had no right to be taking anything out of my checking so my bank stopped allowing the payments. I 've tried to contact Navient but they never email back. I do n't have a phone. They send mail to the incorrect address. An address that I have never lived at or provided to them or anyone. A family member owns the house and just send everything back return to sender. I 'm currently in bankruptcy due to my school loans that I have paid on time for the last 13 years, never missing a payment until now. The payments I was making is well above 15 % of my income. My bankruptcy lawyer just tells me it will cost me more to dispute my loans than to just pay them. I do n't have any money at all. My lawyer says it will cost me thousands extra to go to a separate court to dispute the loans and it 's too hard to prove. My lawyer is just plain lazy. What can I do to get them included in my bankruptcy? 
Is there anything I can to since my lawyer wo n't do anything or even advise me? 
Also, Navient has no right to be sending mail to an address that I do n't live at, never have and the person is angry for mail being sent there. I have never provided Navient or anyone else of that address. 
Now I am received phone calls to numbers that were never provided to Navient or to anyone else. I received 4 calls in 5 minutes. They broke a privacy law by calling my cell. I never gave this number to anyone at anytime. XXXX also agreed that a privacy law was broken and would like to know how they obtained the cell numbers as it was not public record. Both numbers are on the donotcall registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX account with a balance of XX/XX/XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. XXXX XXXX XXXX XXXX XXXX was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I needed help resolving dispute issues and needed them immediately and was unable to resolve until later after I was charged a fee due to being unable to get help from cashapp
Product: Debt collection

I got this letter / bill in my mail box stating : Dear XXXX your account was sold to XXXX XXXX XXXX XXXX. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/2014, that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/2014 all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. Capital One the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.
Product: Mortgage

OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove wrong info and take XXXX report dispute are always denied.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am composing this sensitive message and complaint because of the inaccurate reports that the THREE credit bureaus ( XXXX, Experian, XXXX ) are displaying on my credit report. I have contacted these reporting agencies several times in regard to fix these inaccuracies of late payments and lateness on my account. They refuse to respond and fix. I am them to please UPDATE to paid as agreed. As i have never missed an payment. I am always on AUTOPAY. These late payment statements are hindering my account and hurting my score. I have exhausted my remedies and i need HELP! The representatives keep me on hold and do not return and/or hang up on me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Only disputed one account which is Synchrony/ Lowes as not my account. As XXXX requested, I sent a request to the creditor Synchrony Bank/ Lowes via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX  and XXXX   have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter XXXX. XXXX. Requesting monetary value of $ XXXX from XXXX for value of reporting account as it is damaging my reputation. Will seek damages from company also.
Product: Money transfer, virtual currency, or money service

I had gained money from a trade in which i sold on XXXX. XXXX i had received an email from robinhood that they were working on my data request that i had submitted a while back ( dont remember exactly when maybe a month ago ). Then i received another email that there was activity on my account, i dont have access to see who else is on my account so i immediately call robinhood customer support because they were going to close my account. On the call the person told me that my account information was incorrect, so i submitted my id, ssn, and bank statement to verify my id. They told me to wait till XXXX XXXX for confirmation of the account review and they would temporarily put the account on hold. I immediately did this and waited, then on XX/XX/XXXX. Basically told me to wait even more for them finish it up. This was until XXXX and now its saying they will close the account due to suspicious activity. I just wanted to transfer my funds back to my bank account.
Product: Credit card

I was denied a credit card from American Express XXXX dated XXXX XXXX, 2015 ( after receiving numerous mail solicitations ) and when I tried to get a free copy of my credit report from XXXX on XXXX XXXX, 2015 XXXX refused to honor my request. XXXX 's web site requested information which I provided and each time it responded that that the session had timed out. Regardless of how fast the information was put in the response was always " the session had timed out '' .This is an obvious ploy to frustrate older consumers and to make them think they are unable to complete the process.I use my computer 's auto-fill capability so even a few seconds seem to be enough for the " session to time out ''.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous accounts. 

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 not recognize this inquiries in my credit report XXXX XXXX XXXX XXXXXX/XX/year>