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

After reviewing my credit report, I noticed a collection that I previously told XXXX XXXX account number XXXX and Experian was not and is not mines. They then without any other action reported this debt as being mines. A complete violation of both federal and local laws. Before I file a small claims suit against these companies for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent. I have also previously sent both my identity theft documents and affidavit to them.
Product: Debt collection

Received a debt collection call on XXXX XXXX XXXX. Notified Professional Debt Mediation over the phone that I disputed the debt and that I wanted complete proof. XXXX XXXX then continually asked for my email address even though I specifically stated numerous times I want the debt sent by mail, not electronically. He became very apparently annoyed by this. He then asked me if I was in the military, which I told him was not relevant to this debt. He responded to this by saying it is relevant, and asked if I was aware how having a debt can relate to the XXXX XXXX of XXXX XXXX. The tone and vocabulary he used sounded as though he was threatening military punishment for this debt. 

After this call, all they sent me was a letter showing the amount of debt XXXX {$160.00} XXXX and no proof. They did not send me proof until XXXX XXXX. This packet included that my former leasing office was keeping my security deposit and further charging me for damages. In that letter, the debt collector stated that they would not call me any longer. They called me again on the XXXX of XXXX, XXXX and XXXX of XXXX. 

I still dispute this debt and do not believe I owe the amount specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

american first finance ac # XXXX paid in full as agreed XX/XX/2023 account still showed a balance on the credit
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX 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

XXXX  XXXX credit card company reported my payment 30 days late they also stated that i did not make a payment in XXXX which is incorrect i submitted my bank statement along with a disrupt letter to the company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/year> Subject : Dispute of Charged-Off Accounts Dear XXXX, I am writing to formally dispute the charged-off accounts listed on my credit report under the account numbers : 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 I recently reviewed my credit report and noticed that this account is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date. 

XXXX. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws. 

XXXX. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. 

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

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

XXXX stoled {$75.00} from my account online. It was my remaining balance of a XXXX investment. XXXX defrauded me and are reaping the benefits of my {$75.00}. 

They illegally closed my account without my knowledge and XXXX will not refund me my {$75.00}. 

XXXX XXXX should be shut down and put in jail for defrauding USA citizens as XXXX has defrauded me. 

XXXX XXXX is located in XXXX XXXX, California and have numerous complaints of defrauding USA Citizens and stealing their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

Equifax - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance {$0.00} PNC BANK XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00}
Product: Credit card or prepaid card

Fraudulent account removed from my credit report due to Identity Theft
Product: Student loan

My private student loan account has recently gone into collections and I 've been set up on automatic withdrawals with XXXX of {$100.00} each month. Recently I 've had double payments withdrawn from my account over the period of three months. I called and it took several weeks to get this issue resolved and I did receive a refund of {$200.00} but now the issue has happened again. I spoke with XXXX at Navient Customer Advocate who helped to resolve the issue and assured that the double payment was a glitch and would n't happened again. Well it happened again this morning and I really need this resolved because it 's definitely against the {$100.00} agreement that I have with XXXX. I need this resolved and a refund immediately of my {$100.00}. If you can help please do, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have XXXX XXXX XXXX XXXX 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
Product: Credit card or prepaid card

On XX/XX/19, I placed an order with Walmart.com for an item the store would fulfill but was out of stock. Although ordered a specific item in the amount {$62.00} they tried to force another item to substitute my item. On XX/XX/19, I refused the item and was asked if I wanted a refund? I though that was a XXXX question to asked especially since I ordered the out of stock item. I received a refund receipt but it was for the item they wanted to substitute my item. On XX/XX/19, I called Walmart Credit card services to report the issue while it was still pending after trying for 2 days to resolve it. I was told they could credit the item because the item wasn't refund in the store. I'm telling there wasn't an item because it was out of sock. I explained to them the store clerk used a dummy receipt so it would appear that they refund my credit card. I called Corporate office and spoke to XXXX rep she held the phone because she did  not know what to do. I asked for a supervisor ( XXXX ), he very rude, abrupt and unprofessional. He treatment like unwanted visitor and called a XXXX XXXX XXXX before hanging up on me. Then I called him back to see why he felt it was ok to use profanity and hang up on customer. But XXXX ( another supv ) came to phone and cold transfer me back to Walmart.com. 
Now I have {$62.00} charge on my Wamart Credit card for an item I did not get. No one with Walmart Credit Service will assist me with resolving the charge on my account. I have attached the dispute form completed for resolution.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within XXXX  days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I recently mailed letters out certified mail to Experian and XXXX to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report
Product: Debt collection

This debt was handled wrong by XXXX XXXX XXXX XXXX. They messed up billing my insurance company and I was the add on in my fathers work insurance policy. Regardless how they handled it, the California Statute on time frame of medical debt is 4 years with credit reporting. I have had this debt longer than that and would like it removed from my report.
Product: Credit reporting

XXXX XXXX fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with equifax and personal information several times with them. 
They keep allowing accounts that Im disputing as not being mine to update my personal information My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Money transfer, virtual currency, or money service

I am closing on a home in a week and need to transfer funds to my title company. Capital One 's system will not authorize the transfer and I can not do it in person. I've had the same phone number and account for over a decade, no issues in the past and they will not authorize me to make a wire transfer.
Product: Debt collection

On XX/XX/2020, I visited the XXXX XXXX XXXX XXXX XXXX  emergency room in XXXX XXXX XXXX, FL, and was treated by ER  doctor XXXX XXXX. Some short time after my visit, I received a bill of just under {$700.00} from the hospital, for which I set up an online automatic payment, and have been paying ever since. 

About a month or so ago, I started getting daily phone calls from a company called HRRG  XXXX, saying I owed {$310.00} from a medical service received on XX/XX/2020. I told them I have already set up online automatic payments directly with the hospital, and that I have not received any additional bills from them. They stated that this bill is not for the hospital itself, but for the services rendered by the doctor himself. I asked them to please send me something in writing, which they did. The letter says that company attempting to collect the money through HRRG is called XXXX XXXX XXXX, which I have never heard of, and they gave me a reference # XXXX and account # XXXX. I also have an HRRG XXXX pin # XXXX. 

I googled  XXXX XXXX XXXX and everything is pointing to a scam. A few other people online have posted comments with similar issues to this, and how this has affected their credit score.
Product: Mortgage

Hello - In XXXX of XX/XX/2018, my mortgage was transferred to another company. There were 2 payments not applied to my account during this process ( end of XXXX/beginning of XXXX ). I have bee trying to work this out with the current mortgage company since mid-XX/XX/2018. I have sent banking info for the ACH withdrawl 's and tracing info from my XXXX account to XXXX. Emails and calls are simply transferred to a different department and they tell me either no one can assist or they will look into it. It has been 4 months and I have gotten no where. 

Payments are still made to XXXX ( via mail now ), but the below is who the account was transferred to ( email XXXX ; XXXX ) : XXXX Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX
Product: Consumer Loan

The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. 

In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report. 

This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. 

Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. 

The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. 

I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.
Product: Bank account or service

I opened a new checking account [ XXXX ] with PNC Bank [ XXXX branch at XXXX XXXX ] in XXXX 2014 after I was offered a bonus promotion of {$300.00} for doing direct deposits totaling {$5000.00} and a bill pay. 

I complied with the Direct Deposit Requirements [ XXXX direct deposits of {$2500.00} on XXXX for a total of {$5000.00} and a XXXX XXXX Bill pay on XXXX ]. However, I never received the bonus. 

I contacted the bank XXXX after the XXXX day period that I was told it would take them to deposit the promotion bonus, but they refused to comply with their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my credit score reflecting on my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Only on my Equifax report -they have my date of birth as XX/XX/1899 as well as my name. In the pass I did have my military id stolen and fraud did appear on all three of the credit reporting agency. I have submitted my driver License online and even online on their website. 

my name is XXXX XXXX XXXX and my date of birth is XX/XX/1978
Product: Debt collection

I received medical care on XX/XX/20 and was billed accordingly. I was paying the bill every single month without ever missing a payment, yet the bill was sent to collections. Upon learning of the bill going to collections, I contacted The XXXX XXXX XXXX directly and on XX/XX/20 I spoke with a XXXX XXXX XXXX who assured me this was all a mistake and it would be removed from collections. Several weeks went by and I paid the entire bill in full and yet the collections statement remained. On XX/XX/20 I contacted XXXX XXXX XXXX XXXX XXXX again and spoke with XXXX XXXX who assured me it should be gone from my credit report within the next few days. I then contacted the Nationwide Recovery Systems ( the collections agency ) and they told me that it was still showing up even though I had paid it in full, but to allow them a few weeks to process everything. Fast forward to present day and I have contacted the Nationwide Recovery Systems , LTD every single day via telephone in order to resolve this matter. I have consistently been hung up on, disconnected and placed on hour long holds without any resolution. At this point this is fraud. The bill has been paid in full for almost an entire year. The debt was NEVER in default to begin with and was fraudulently sent to collections in the first place. I currently owe nothing and am unable to speak directly with anyone from the Nationwide Recovery Systems Ltd. This is fraud and is effecting my credit. It needs to be amended now.