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

I submitted dispute through XXXX via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for account listed below. Nelnet ( Dept of Ed ) Account ending in XXXX. Its safe to say a thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX but there is no payment being reflected, report is also reflecting on time payment for XX/XX/XXXX then XX/XX/XXXX is reflecting 90 days past due. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974
Product: Debt collection

I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Inaccurate Reporting XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to demand the immediate correction of inaccurate information being reported on my consumer credit report regarding the XXXX XXXX account ending in XXXX. This account is being incorrectly reported as charged off, which is false and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires accurate reporting by furnishers of information to consumer reporting agencies. 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX regarding this account. In this complaint, I requested the 1099-C form typically issued for a charged-off account. However, as per the attached CFPB response from XXXX XXXX, the account was not discharged or settled but was instead sent to an outside collection agency. This directly contradicts the charged-off status currently reported on my credit file.

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inaccurate reporting of this account as charged off is a clear violation of this standard. Furthermore, under 15 U.S. Code 1681i ( a ) ( 1 ), you are obligated to reinvestigate and correct any inaccurate information upon dispute.

I demand that you immediately update my consumer report to reflect the correct status, as indicated by XXXX XXXX, and remove the erroneous charged-off notation. Failure to correct this error within the legally mandated timeframe will result in further action, including additional complaints with the CFPB and legal recourse under the FCRA. 

Additionally, please send me an updated copy of my credit report once the necessary corrections have been made. I expect confirmation of these changes and receipt of the updated report within 30 days, as required by law.
Product: Credit card

I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.
Product: Debt collection

After review my credit report I found a collections on my reports from CKS Prime Investments stating that the original debt was from XXXX XXXX  Card. I have never had this kind of card. My mail box was broken into several times over the last five years and this collections is fraudulent. I have reached out several times to this collections agency to have them delete this from my account and they have yet to do so. This is not my debt and is identity fraud and I want this collections deleted from my credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my Regions credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission.

Regions Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

All highlighted inquiries are not mine, I previously disputed them with both the Credit Reporting Agencies and the Information Providers. These information unfairly remained on my report with the negative effect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened onXX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.
Product: Credit reporting or other personal consumer reports

This is not my account. I'm disputing this because this account or a part of a data breach which my identity and information was stolen. Please remove this account. as I am a victim of identity Theft due to a data breach I have never authorized this and have never had any agreement with or done any business with this company.
Product: Debt collection

I have sent IQ Data International, Inc. at least three ( 3 ) Debt Validation letters requesting proof that I owe them any money. I have asked them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.
Product: Checking or savings account

My social security number was used to open several accounts online with M & T bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX of those charges is mine nor did I sign up or agree to have those cards. Thank you
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, XXXXAccount name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm desperately trying to get my investigation results. I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.
Product: Credit card or prepaid card

Hi, I applied for and got a American Express Gold card on XX/XX/XXXX as part of a promotional offer, that offered 60,000 reward points after an initial spending of {$4000.00} within the first 3 month and the annual fee was {$250.00}. I was expecting the annual fee to be charged to my account after one year of service, i.e after XX/XX/XXXX, as there was no indication of the schedule of this annual fee in the card member agreement that was provided to me. 
However unexpectedly the annual fee was charged to my account on XX/XX/XXXX, with in a few days of me opening the account with American Express. I contacted customer care online via web chat on XX/XX/XXXX and was told that Annual Fee is charged during the first billing cycle and that it is mentioned in the card member agreement. 
I looked in my card member agreement again and couldn't find any reference to the fee schedule ( i.e date when annual fee will be charged ) and I contacted customer care again on XX/XX/XXXX via web chat and this time, the customer care team looked in to my agreement and agreed that the annual fee schedule ( i.e the date when the would be charged ) is not mentioned in the agreement. I requested the annual fee be refunded, in the absence of clear communication in the card member agreement, as this would be a breach of trust and amount to arbitrary charges on my account. However AMEX refused to refund the fee and this complaint is now raised to resolve the issue. The card member agreement and the last chat is attached herewith. 
Apart from refunding my Annual Fee, I want AMEX to include in clear wordings the date when this charge will be charged in every card member agreement, including mine.
Product: Debt collection

This company Medwest Recovery systems has since the beginning submitted false claims to all three credit agencys. Multiple times on weekly bases, that this account lbelongs to me. My problem is they submit this claim three or four times a day. With intension of driving my score lower and lower. To date they also call three are more time a day, finally to date I have know docments from this company at all. 
this is Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the debt of {$15000.00} claimed by Navy Federal Cr Union, referenced under Account Number : XXXX. I do not acknowledge liability for this debt and request that it be thoroughly investigated. 

I have not entered into any contractual agreement with Navy Federal Cr Union, nor have they provided me with the original signed contract or any documentation validating this debt. Despite my requests for a copy of the original contract, including verification through my signature and ID, Navy Federal Cr Union has failed to provide any such documentation. 

Until I receive proper verification of this debt, including the original signed contract, I do not accept responsibility for this amount and request that any further actions related to this debt be ceased immediately. 

Please take the necessary steps to investigate this matter, and provide me with the requested documentation at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The company XXXX XXXX XXXX XXXX account XXXX, has violated my right 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These Companies has violated my rights under law 15 USC 1666b no law stating any transaction must be reported without my Privacy and consent.
Product: Money transfer, virtual currency, or money service

Random charges from {$2.00} and up would be deducted from my account and theres no way to contact a live representative about these situations. Ive tried to dispute a few different times for a couple of different transactions, but they always want to close my account to handle the situation.. I want my money back. I dont want my account closed.
Product: Credit card

On numerous occasions I have called to fix my Key Bank online banking because they locked it out when they merged with First Niagara. I provided my full social so they could pull up my account. Apparently that 's not enough to verify my identity. I proceeded to provide my address on file, as well as my date of birth .... I was told that still was n't enough. They proceeded to ask me more " Public Record '' questions, which most of these questions did n't even apply to my life. After answering them I was told they still could n't verify who I was and could go no further in this call. I asked for a supervisor and at first was denied this. After asking 3 more times she placed me on hold. I held for over 20 minutes and finally had to hang up because no one came back. They are now charging me late fees and more interest because I can not pay my bill and they wo n't allow me to access my account.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$710.00} XXXX XXXX XXXX  VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$5.00}, XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Product: Debt collection

collector e-mail me lawsuit calls to mom and dads cell 29 times. collector has violated DODD FRANK ACT FOR THE LAST TIME. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

They lied about their policies stating they have secret policies and that they are not allowed to email an agreement because I live in XXXX XXXX and they also said that they can not via mail send agreement settled on but can only email it. She used fallacies to confuse me and pressure me to pay the debt.