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

I mailed a letter to XXXX on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept XXXX stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Debt collection

XX/XX/2019 send letter requesting details on what is owed and communication between medical facility that I provided for reason of disputed amount due. Medical facility failed to response to letters/notes or return with email. Firm ( collections ) failed to response in reasonable time. Still do not know if a scam. Medical firm still failing to response to new questions on latest charge. XXXX XXXX  collection procedures violate patient rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and that there was an inquiry on my XXXX  and Transunion Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.
Product: Debt collection

I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.
Product: Student loan

I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. 
However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. 
On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. 
They have never responded to my messages and I have still not been able to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX and account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting or other personal consumer reports

I sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard MOV was used. Cushman vs Transunion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its Vehical back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...
Product: Checking or savings account

Account closed during state of emergency in Florida. Unable to pay bills or go to bank due to damages sustained in my home, account was always in good standing.
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 : Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXX XXXX 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, 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: Mortgage

CitiMortgage transferred the servicing of my loan to XXXX at some point and failed to notify me as required by regulation and law. The company has long had the means to reach me and consistently sent me emails and their attorney 's have my mailing address. 

Moreover, CitiMortgage is suing me in Florida 's XXXX XXXX XXXX XXXX, Case No. XXXX. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges they've assigned to my loan. To date CitiMortgage and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, CitiMortgage and its attorneys released my loan information to a third party without a written authorization signed by me allowing them to publish and share this information with a third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. 
In short, CitiMortgage has engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.
Product: Debt collection

although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports
Product: Debt collection

i had a debt with XXXX that was turned to a collection agency The CBE Group, when I made contact the advised that if I set up payment arrangements they would not report to credit bureau, I set up payment arrangements and the deductions are being taken at XXXX and the final payment on XX/XX/XXXX. On XX/XX/XXXX they repoted the debt to the credit bureau after it was clearly advsd that this would not happen. I have been allowing them to deduct electonically from my bank account. When I asked why they did this the stated that the bill was to be paid by XX/XX/XXXX which no one advsd me of. This is not the agreement that we came to and now they are refusing to remove this from my credit.
Product: Credit reporting or other personal consumer reports

Hello, This letter is a formal complaint that all three credit bureaus are reporting inaccurate and incomplete credit information. I respectfully requested to be provided proof that these debts/credit were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized debt/credit must be deleted from the report as soon as possible. 
On XX/XX/2023, I submitted a certified letter to all three credit reporting agencies due to discrepancies and inconsistency in the reports. The certification receipt confirmed all three did receive my letter requesting them to verify my disputes. 

List of accounts disputed 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  : Confirmed receipt of letter ; Never replied back to my letter within the 30 day time frame or anytime after. 

TransUnion Response : Deleted - XXXX XXXX  # XXXX Deleted - XXXX XXXX XXXX XXXX XXXX The following are not Listed on TransUnion report due to no records found : Credit XXXX XXXX  XXXX XXXX XXXX  XXXX Unable to provide 100 % accurate credit information for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not Deleted ; In a discrepancy with TranUnion reporting - XXXX XXXX  # XXXX XXXX not Deleted ; In a discrepancy with TranUnion reporting- XXXXXXXX XXXX XXXX # XXXX Unable to provide 100 % accurate credit information for the following accounts 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 XXXX XXXX
Product: Debt collection

Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.
Product: Checking or savings account

Navy federal Credit union denied my dispute for unauthorized transactions of fraud. I was given a provisional credit now they are trying to take the provisional credit back and put my account in the negative when I was not responsible for the transactions on my account. I am not sure every single transaction that was fraudulent, but I picked out the most that I could to the best of my ability, I never gave anybody my debit card information or pin number so any transaction that was made was used without the pin number because I never was negligent with my pin to submit a police report because they made a decision before I was even able to get the police report processed
Product: Debt collection

I got a bill again that I have paid to collection. 

I had few unpaid bills from XXXX XXXX 's XXXX Hospital.  Address : XXXX XXXX XXXX, XXXX, NJ XXXX. 
The Hospital sent the bill to a collection agency " Wakefield and Associates ''. The bill was {$200.00}. I had made a payment of total {$150.00} ( {$53.00} three times ). So I should have a balance of {$44.00} left. But the collection agency ( wakefield and associates ) paid a total of {$60.00} ( {$20.00} each time ) to the Hospital saying I  have balance {$140.00} left. Their website is also saying that I have a balance of {$140.00}. But that is not right. I have proof of each payment. I should have only {$44.00}. Now the Hospital sent  another bill for {$140.00}. 

I called the " Wakefield and Associates '' agency but they said they closed the account and they have no idea what happened. They asked me to call the Hospital. I called to the XXXX XXXX 's Hospital and the Hospital but the Hospital said, they got only {$60.00} out of {$200.00}. So, I have to talk to the agency to fix the issue. 

Now, I am completely helpless. Both parties denied me to help here. 

Address of the collection Agency : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( toll free ) XXXX XXXX XXXX XXXX, XXXX TN XXXX
Product: Checking or savings account

I'm having a problem connecting my bank account with XXXX an app which allows me to receive advances every now and then. I've even using this service that XXXX provides for quite some time and now that connection has been severed for whatever reason. I absolutely have no problem with this app being connected to my bank account and yet it has been disconnected without my approval.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XXXX of XXXX I personally reached out to Chase via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for XXXX years, and being laid off from my newly acquired civilian job as a result of the XXXX XXXX pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Chase shortly after, for a second opinion due to the fact that even the Federal Government has recognized the severe economic impact XXXX has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Chase, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Chase is acting unreasonably in regard to my situation.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. They also call or text after requesting them not to. They have damaged my credit score, by unverifiable, false information