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

I am writing to formally make a complaint & /or dispute regarding a matter related to my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which governs civil liability for negligent noncompliance with the FCRA . It has come to my attention that Experian and XXXX both has failed to comply with the requirements set forth in the FCRA, which has resulted in damages to my creditworthiness and personal finances. 

Experian and XXXX failed to investigate multiple disputes I've filed about collections on my credit report about inaccurate information and collection debts that do not belong to me. 

In light of this noncompliance, I am requesting to have the accounts immediately removed from my credit report. 

The accounts in question are as follows. 

1 ) Account name : XXXX XXXX XXXX Account number : XXXX XXXX ) Account name : XXXX & XXXX Account number : XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX I would like to be provided with written confirmation via email that the required actions have been taken within the time frames prescribed by the FCRA, which is typically 30 days for an investigation of a dispute. 

Under 15 U.S. Code 1681o, Experian and XXXX may be held liable for any damages caused by negligent noncompliance with the FCRA, and I reserve the right to pursue further legal action if this matter is not resolved in a timely manner. I trust that your company will act in accordance with the law and correct this matter promptly. 

Thank you for your attention to this important matter. 

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

This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Student loan

my school loans used to be through XXXX. Now, it is called Navient. 
I prefer to pay by mail with monthly coupons. Navient failed to send me the 2017 coupon book to make the XX/XX/2017 payment on time. I called them in early XXXX and they told me they would send out the coupon book. after a few weeks, i called again because no coupon book arrived. during this second call, Navient told me they mailed it but it was returned to them. my address has remaining the same, no changes. when the coupon book arrived, i made the XX/XX/2017 and XX/XX/2017 monthly payments in one money order. now Navient has imposed late charges for not paying XXXX on time. 
more importantly, Navient is telephoning me on the following dates and times : XXXX XXXX am ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX am and today XXXX at XXXX : XXXX. these are calls with no live caller on the line, only a message for me to call them for an important message about my loan. because i am being harassed by these robo calls, on tuesday, XX/XX/XXXX, after recceiving the XXXX robo call, i telephoned the number left on the robo message.. the navient representative checked my account after i explained i made 2 months payment. he stated my account is current. i explained to him that these daily calls are harassing as i am current on my account. he assured me he would fix the problem. since that XXXX telephone call, navient has telephoned me on XXXX at XXXX ; XXXX at XXXX am and XXXX at XXXX am. 
how do i get them to stop harassing me? again, the navient representative advised me that my account is current as of XXXX. please assist me in stopping these harassing robo calls.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00}
Product: Credit card

https : //mytdfinancing.com for XXXX XXXX XXXX XXXX I am locked out of my online account without the ability to make a payment. I have attempted to call customer service multiple times and I am not unable to reach anyone. I have called multiple times, different days of the week and different times of the week and I am still not able to get ahold of anyone after excessive hold times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX OF XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

from XXXX, collection company is trying to collect for an amount ~XXXX ... the collection letters do not give me any information about what the bill is for ... no doctor name, no medical procedure code ... 
i paid my out-of-pocket maximum with XXXX  in XXXX ... 
i tried to contact the collection company for information but they were not cooperative ... 
i did my due diligence, contacting hospitals and getting confirmation from them that i do not owe them any money ... 
i sent such letter explaining this to collection agency with no reply from them ... 

i feel that this is illegal business practice, and am very angry now because this company has affected my credit rating ... how they have legal right to do so? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX creditor account no : XXXX collection account no : XXXX amount due ( with interest ) XXXX note : i am at new address now ... the address of the collection letter sent to was my previous apartment : XXXX XXXX XXXX XXXX XXXX  ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX  XXXX Balance : {$270.00}
Product: Mortgage

I was late on my payment and Fairway Independent Mortgage Corporation went up on my mortgage by almost {$500.00} a month claiming it's for my escrow. I only pay homeowners insurance out of the escrow which is {$1400.00} a year, I do not pay property taxes in Alabama because i'm XXXX  XXXX XXXX  & XXXX  XXXX veteran. This is predetory lending practice. When i ask where is the {$600.00} that was said to pay property taxes i receive no answer. The are trying to take my home away for a one time late payment. I receive threatning phone calls and messages monday-friday and also threatning letters in the mail. I'm on fixed income and can not afford my mortgage to double in monthly payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!
Product: Debt collection

This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, XXXX XXXX XXXX completed an order for XXXX in XXXX XXXX, CA about me. ( Order XXXX XXXX, XXXX XXXX ) In this report were items about me that are outdated, and it being a 'Level 3 ' report, criminal records were disclosed that are more than seven years old plus.

I don't know the scope of 'level 3 ' reports, but this one led to an adverse action taken by the company, XXXX . 
I strongly urged the company to remove said records about me, for I am in the process of paying the courts back all of their fines and fees imposed pursuant to statute and orders, pursuing restoration of my civil rights, and have not been a recidivist. 
I hold a Level 1 fingerprint card with Arizona Department of Public Safety, and this type of information does not accurately reflect my current activities within the public sector and private. 
I will pursue any and all remedies available to me as a consumer including litigation. 
Please kindly reply with your response to my request, as this is not the only report that has led to adverse action against me as an applicant. 
I take great care of patients, clients, and hold the highest level of clearance this state offers for student doctors, and investigators. 
Adverse action was taken by two different employers that included being denied employment solely on the grounds of the existence of this slanderous information.
Product: Debt collection

Dear Sirs : I noticed an account on my credit from a company called Tek- Collect/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the fraudulent entry remains on my credit. They have yet to contact me and or remove the unknown fraudulent entry. 

Furthermore, according to my credit report the account states the debt is for XXXX XXXX treatments .... I don't have XXXX/XXXX and no such treatments were ever rendered to me in this regard. If I would have been contacted by this institution in the begining I could have conveyed to him/her they had the wrong person. When in contrast- they placed the debt on my credit without my knowledge. I just so happened to see it on my credit reports. 

This is also defamation of character and slander. I do plan to take the matter to court immediately .... if it is not resolved in the next 10 business days.
Product: Debt collection

XX/XX/XXXX we purchased a car we thought was only owned by 1 person! 

XX/XX/XXXX we notified the dealership of a dashboard issue. 

XX/XX/XXXX the car would not turnover and stalled. We went to the dealership and was told we had to call customer service for warranty details and they refused vehicle return. 

Issues with the car was ongoing. And the warranty promised did not cover electrical issues on the car and the issues were electrical. 

Ive advised them on several occasions I was unable to pay for the car because it was not properly functioning and asked them to pick the car up multiple times! 

I continued payments so my credit was not damaged due to reading recent reviews during that time. 

Car was still not working properly all of XXXX, we had no known location to return the car to as requested with agents and salesman. 

Ive disputed the inaccuracies to all credit bureaus and yet i am still seeing this account and the collections company dies not answer it return my calls! XXXX  have not properly addressed my concern and had kept this damaging falsified collection on my credit behind 2 disputes with documents from me!
Product: Credit card

That was a victim of credit card fraud. I lost my card XX/XX/year> at target a few weeks past when I went to use my card realize it was not in my possession called the company to report that it was not on me. I was told not to worry that I can use the card on my app through my phone, but then later noted that purchases had been made. I called the company and was issued a new card with all the charges that were made by someone else.
Product: Checking or savings account

I opened a KeyBank checking account in XX/XX/2023 when there was a {$200.00} bank bonus promotion on going. I would receive the {$200.00} bank bonus when a {$500.00} direct deposit is made. I received a direct deposit on XX/XX/2023. Its been almost 90 days and I have not received the bonus mentioned in the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX  XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Product: Credit card or prepaid card

Was financially impacted by Covid, missed a payment for Care Credit which I had to get because of the Covid virus didnt have funds available. The account was closed 2 Months later for no apparent reason tried contacting the supervisor about my account she had a horrible attitude and basically told me to kick rocks. As a retailer who offers synchronys card I would hate for anyone to obtain it and is no longer going to recommend it either.
Product: Credit reporting or other personal consumer reports

I have inaccuracies across Transunion. On my XXXX, they are reporting I made payments to the account. Transunion is reporting that I made XXXX payments. I have the documents below to prove this. I would like these articles deleted from my credit report per FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
Product: Credit card

Banks can not loan money per book called XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Exhibit b affadavid all debts are prepaid. 

Exhibit c XXXX  vs bank of montgomery 1969. This case was about lawyer named XXXX saying he refuses to pay morgage because bank puts nothing up of value lawfully called consideration. You never told me I have no money to loan me. Sounds like fraud to me. You bill my trust and ask me for payments in federal reserves as well. Trust fraud and securities fraud. You are trying to make me your XXXX. Not happening. You can XXXX  out the XXXX XXXXXXXX XXXX XXXX and rooms to go card based on fraud so note null and void. You can open these accounts again and bill my trust only no double billing. If necessary we can supena your ceo to florida and your representative named XXXX XXXX. You are doing securities fraud and trust fraud. If you like u can call XXXX or XXXX. Be careful this is a warning to u my name is copy righted. I am not a XXXX XXXX XXXX laws dictionary uncompetitive XXXX. I am a XXXX  XXXX XXXX. If you do not want to provide me with a remedy  no problem take u to florida court
Product: Credit card or prepaid card

I purchased furniture with a Chase card on XX/XX/2021 in the amount of {$5700.00}. As of today, XX/XX/2021, the furniture has not been shipped nor is the company returning my phone calls. I initially disputed the charge in early XXXX after non response from the furniture company. I received a letter on XX/XX/2021 that was dated XX/XX/XXXX from Chase, stating that I needed to provide additional documentation by XX/XX/2021. Since the letter is mailed 3rd class, I did not receive until XX/XX/XXXX, impossible to respond within 7 days. I subsequently uploaded the information to Chase secure website ( which I am attaching below ) stating that the furniture was never shipped with supporting documentation on XX/XX/2021. After numerous calls and letters, latest also being attached from XX/XX/2021 stating under review, I called Chase today and was told that the case was closed now due to timing and nothing I can do. Stating they reviewed information and I did not respond in the time frame. The bottom line is the company has never shipped the goods, Chase in terms of what they received ( also attaching ) has nothing that has a signature or verifies that shipping occurred. I hope you can assist me in this problem.