23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX  balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX  balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. 
Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. 

This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 

And AMERICOLLECT from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY XX/XX/19 I WAS MADE AWARE OF TWO COLLECTION ACCOUNTS AND SOME INQUIRIES ON MY REPORT THAT I NEVER OPENED. I NEVER ALLOWED ANYONE TO OPEN THESE ACCOUNTS IN MY NAME NOR DID I BENEFIT ANYTHING FROM THESE ACCOUNTS BEING OPEN IN MY NAME.
Product: Debt collection

XXXX XXXX sent our medical bills to Merchants Credit Association. We had been paying on them but they sent it to the court. I disputed the accusation saying we payed and I even spoke with a representative at XXXX and they confirmed we did pay. My husbands wages were recently garnished and when I called Merchants, XXXX, who is in charge of the case was short with me, didnt answer my questions and said we didnt pay. I asked him for proof but he didnt give me any. 
They took {$1200.00} out of our account. We found statements that show the dates we paid XXXX.
Product: Credit reporting or other personal consumer reports

XXXX account number credit reporting on the credit reporting bureas, XXXX, Experian and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. Account has never been late per company and said the account will be updated as paid as agreed w/no late payments. Company stated their system was posting incorrectly in XXXX and XX/XX/2023. 

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: Student loan

I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about my account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX  account XXXX, and XXXX XXXX account XXXX has violated my rights. 

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
Product: Student loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Following Loan Forgiveness Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by Equifax, XXXX, and XXXX. Despite providing all three credit bureaus with documentation that my loans were forgiven, this information has not been accurately reflected on my credit reports, negatively impacting my credit score. 

I have contacted the credit bureaus directly, submitted a dispute with supporting documentation, and allowed the legally required 30-day period for an investigation and correction under the Fair Credit Reporting Act ( FCRA ). However, my reports still show the incorrect loan status, which is not only inaccurate but also a violation of my consumer rights under the FCRA.

The inaccurate reporting is causing significant harm to my financial well-being, including but not limited to : Lowering my credit score. 
Hindering my access to fair credit opportunities. 
Causing undue stress and financial instability. 

I am requesting the CFPB to intervene and assist in ensuring that my credit reports are promptly updated to reflect the correct informationspecifically, that the forgiven loans show a {$0.00} balance or are removed as appropriate. I am also seeking confirmation of the corrective actions taken by the credit bureaus and the creditors involved. 

Enclosed are copies of : The loan forgiveness documentation. 
Correspondence with the credit bureaus. 
Dispute submissions and responses received Thank you for your attention to this matter. I look forward to a swift resolution to correct my credit reports and protect my consumer rights. 

Sincerely, XXXX XXXX [ Phone Number : XXXX ] XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment on a Closed Account FCRA Sections Violated : Sections 609 & 611 To Whom It May Concern, I am writing to dispute a late payment entry that has been inaccurately reported on my credit file for a closed account. This error has reduced my payment history rating from 100 % to approximately 97 %, which is incorrect and damaging to my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because this account is closed, no new late payments should be recorded. Under the Fair Credit Reporting Act, specifically : Section 609 ( 15 U.S.C. 1681g ) ensures that all information in my credit file is accurate and verifiable.

Section 611 ( 15 U.S.C. 1681i ) grants me the right to dispute any inaccuracies and requires TransUnion to investigate and correct any erroneous data.

I Request That TransUnion : 1. Conduct a full reinvestigation into the reported late payment on this closed account.

2. Remove or correct the inaccurate information from my credit file.

3. Provide me with written confirmation of the outcome of your investigation within the legally required 30-day period. 

Enclosed, please find the following supporting documents : A copy of my credit report with the disputed entry highlighted. 
Documentation demonstrating the accounts closure and confirming that no late payment occurred. 
A copy of my government-issued ID and a recent utility bill as proof of address. 

Thank you for your prompt attention to this dispute. Please contact me if further documentation or clarification is needed. 

Sincerely, XXXX XXXX Enclosures : Credit Report ( highlighting the disputed entry ) Proof of Identity Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

Company improperly utilized reports & reported balances inaccurately
Product: Debt collection

I was denied a federal loan because a collection agency, CKS prime investments, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from cks financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, Equifax, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

Exquifax- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. XXXXViolation XXXX was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation
Product: Money transfer, virtual currency, or money service

I went to a Western Union office in a XXXX XXXX # XXXX in XXXX, AZ with cash to send to XXXX for some glass bottles for my perfume business. XXXX entered all the information on his terminal. ( XX/XX/18 ) I gave him my passport and driver 's license for identification. When he had it all entered and I proofed the entry I gave him {$2300.00} in cash. He gave me the store receipt for the cash I gave him and the terminal receipt. I was just about to leave when he said, " Wait, they placed HOLD on your account. We need to call XXXX and you need to answer a few questions before they send the money. '' Then we called and they put us on hold for 45 minutes. We gave up thinking they forgot us -- called back and after about 10 minutes they picked up. We explained that I needed to answer some questions before they'd send the money. They said, there is no supervisor here right now -- we will call you back in 2-3 hours. No one returned the call. The next morning I called the number and was on hold 1:12 minutes before I gave up and decided to head back to the store. They listened to my problem and called the phone number they had which was the same as mine -- waited again on hold for 45 minutes. Hung up tried a different phone number the store had -- waited explained what we needed -- put us on hold again. Spent a total of an hour there getting no answers. I asked to speak with the store manager : XXXX. She said she could do nothing about the loss of my money and I would have to take it up with Western Union. I'm frustrated as I can't email them -- and all they do is put me on hold for hours. It's like they are holding my money hostage. I've never used Western Union before and will never use them again. But I deserve to get my cash back as I got no service for fees rendered and much distress. Thank you.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and 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 XXXX 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, credit repair services, or other personal consumer reports

I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent Experian a dispute letter because there were two accounts on my credit report that I do not recognize and are reporting inaccurately. Experian opened my dispute on XX/XX/2023 and stated that they finshed their investigation on XX/XX/2023, and i have attached a screenshot proving this timeline from my Experian account. I find it hard to believe that Experian verified the accuracy and validity of these accounts in 24 hours, and if so I am requesting they provide me with their procedure of verification. I know that these account have many inaccuracies, one big one being that both these accounts have the same account number, but different balance, If i am not mistaken, that is a clear FCRA violation, as there should not be duplicate accounts on ones credit report. It is also violating this FCRA law ; Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I have included a copy of my credit report directly from their Experian website to serve as proof of their inaccurate reporting. In addition, Experian claims to have investigated my dispute but yet the Status Update Date did not change, which means they did NOT investigate these accounts, a blatant violation of non-compliance, which I should seek legal suit for! Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! The inaccuracies present in my report have been detrimental to my credit worthiness and my overall quality of life. It is affecting the chances of me obtaining a home and also affecting my job with the Department of Defense. I am asking you to please keep Experian accountable for this inaccurate reporting and non-compliance of FCRA laws!
Product: Checking or savings account

I was a victim of the XXXX XXXX breach and Identity Theft. Many credit accounts and banks was opened in my name. i have been working hard to clear all of these accounts and get everything removed from my profiles. Most businesses have been very helpful and have worked with me. Navy Federal however has not. I have contacted them many times about my issue and they have done nothing to help. They given me very little information about my accounts except they was opened in XXXX, which i have never lived in XXXX they alos gave me the amounts i have tried to give them all my information and work with them directly to remove my accounts from bureaus and wipe everything away so i can be a member with them. they have not helped me at all. which is very heartbreaking being XXXX XXXX and this company that is suppose to all about helping XXXX is treating me like dirt. I have had to revert to more serious ways to get my accounts removed and clear my name. i believe navy federal needs to be exposed and held accountable for the way they are treating me. i am attaching all if my affidavits with this complaint and hoping you can step in and help me with these issues. 
my information is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I received a Citibank XXXX XXXX credit card that I do not remember applying for. I do not have a confirmation email that I applied for it. However, I did receive an email that the cards was delivered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday, XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, Experian, XXXX XXXX and XXXX, I XXXX XXXX XXXX XXXX a natural person XXXX am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXXXXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. 

Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : Immediate removal of the inaccurate accounts and negative marks associated with my XXXX account and any other unverifiable information. 
Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

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

In accordance with the Fair Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX Account # XXXX, has violated my rights 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 an account without my written instructions.
Product: Vehicle loan or lease

In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.