23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX bought my debt from RECEIVABLES PERFORMANCE MANAGEMENT , LLC who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!
Product: Debt collection

On XX/XX/XXXX I paid Harris & Harris {$990.00} from our HRA account and paid {$440.00} from my personal credit card on XX/XX/XXXX - that was the balance due in full. They have continued to call my husband and request {$990.00} - sometimes calling multiple times in one day. 

I returned all of their calls early on, after confirming with the HRA administrator that the amount was processed and " settled '' on the card as of XX/XX/XXXX. A rep named XXXX advised me to email supporting documentation of the payment, which I did. When I called back several times trying to confirm receipt, XXXX and other various reps would give me a different email address to send the documentation to or told me the documentation was not in the right format. I complied with each of their suggestions- sending in every piece of proof I have. I have attached the email thread and the supporting docs that were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The website that I paid through shows both of the payments as " processed '' on XX/XX/XXXX and XX/XX/XXXX in the transaction history ( also attached ), but they have continued making sporadic calls ( sometimes multiple times in one day ). 

On XX/XX/XXXX we received a written " tax season settlement offer '' dated XX/XX/XXXX to settle the {$990.00} for a lesser amount. That led me to research third-party methods of resolution and the CFPB.
Product: Checking or savings account

I have an active XXXX XXXX account with Capital one and the interest rate they offered was not provided.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed erroneous incorrect bankruptcy reporting on my credit report XX/XX/XXXX. Experian replied back verified by courts or XXXX. I sent XXXX letter XX/XX/XXXX Experian replied back " unable to honor my request. '' I then send a method of verification letter XX/XX/XXXX certified tracking number XXXX which was signed for by Experian on XX/XX/XXXX at XXXX XXXX which multiple reps have stated on XX/XX/XXXX they can not see the letter or they didn't get the letter which is not true. as I have proof they have it. Experian needs to be held accountable for not properly verifying disputes according to the FCRA 611 law which entitles me to proof the debt belongs to me which Experian has failed 3 times to do so. XXXX XXXX @ XXXX I was told by rep XXXX XXXX Experian does not have to give method of verification and they were given the information by the courts. XX/XX/XXXX spoke to will @ XXXX, XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and XXXX @ XXXX who all were not able to provide an update on my dispute. My XXXX file has been suppressed since XXXX including all public records and I have a letter from the bankruptcies court stating they do not and have not furnished info to Experian. Also per XXXX @ XXXX my files is suppressed ref # XXXX # XXXX # XXXX. IF Experian can not and they have not to date properly investigate, verify and prove the record is mine, this needs to be be taken off my credit report immediately as their fradulent negligence and deception is causing me harm and reframing my character. I want the unverified incorrect erroneous bankruptcy off my credit. I have filed a complaint to the XXXX on XXXX ref # XXXX which exerian has yet to respond to and also a complaint to the attorney general office here in GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

DEPARTMENT OF EDUACATION/NAVIENT,, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Bank account or service

I have moved from XXXX to XXXX. There are no Chase banking centers here, so I am in the process of changing my accounts to a local bank. I had an IRA CD with chase and did a trustee to trustee transfer to a local bank, believing that there would be no penalty attached as I am XXXX years old. 

Chase charged me {$1800.00} - THEIR PENALTY - for making the transfer. I have already talked to a repesentative and am told there is nothing I can do about it. 

I want to register a complaint anyway because this just absolutely stinks.
Product: Credit reporting or other personal consumer reports

I've been contacted by an third party company that I am unaware of how they have my personal information without any origination documents. I've contacted each Credit Reporting Agency requesting this information to be verified. This information has remained unverifiable. 

I have a XXXX XXXX XXXX tradeline showing on my report with inaccurate monthly reporting along with a third party company attempting to collect on the same unverifiable debt. 

Reporting this information to my report without my permission is in violation of 15 usc 1681, along with it being incorrect is in violation of 15 usc 1681eb
Product: Credit reporting or other personal consumer reports

I am a client with Consumer Credit Counseling Foundation for the last 2 years. Have had automatic payments being withdrawn the entire time. BMO reports the last payment they have received is in XX/XX/XXXX. XXXX reports that they made a payment XX/XX/XXXX and payment was returned to them with no reason as to why. BMO has no record of this. XXXX sends payment of {$68.00} of XX/XX/XXXX with check id and BMO hasnt received it. XXXX has confirmed this payment has cleared and processed. Again XXXX sends payment of {$130.00} on XX/XX/XXXX with check id. This payment was to make the account current from the returned payment in XXXX. Again XXXX hasnt received it. This payment is currently still processing. Because of the delinquency on the account I made a lump payment of XXXX on XX/XX/XXXX to being the account current and at a {$0.00} balance. Neither side is willing to help find where the missing payment has gone, and in turn my credit has suffered and {$200.00} is just lost. Every time I have contacted each side ( multiple times each side ) they both send me back to the other side because no one can figure out where my payments have gone. They have processed out of my bank acccont, I show I am in good standing on the XXXX side. I am happy to provide anymore information I can in regards to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is charging money to do a simple credit lock which is in violation of federal law! All they offer for free is a credit freeze which I don't want! You can't get a person to talk to as I tried them first!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report threw equifax and noticed two inquiries shown on my report one from XXXX XXXX inquirie date was XX/XX/XXXX and the second inquirie was from XXXX inquirie date was XX/XX/XXXX i do not recognize or authorized either of these two inquiries so i contacted credit bureaus office equifax to dispute them and have them removed two times i disputed them with equifax, equifax stated that inquiries are a factual record of file access and would not remove them, i also reached out to XXXX  XXXX and XXXX and neither company has any pass or current account with me.
Product: Payday loan, title loan, or personal loan

I have them harassing me daily calling me at least 3 times a day. My loan was to be only for XXXX  months and they are now saying it's for XXXX mths. I have never received the original contract and they said it was not a contract .they keep saying it is a credit card it was a loan for dentures I got from XXXX XXXX in XXXX XXXX payments are to only be {$30.00}. A month .I paid XXXX XXXX {$290.00} in order to start this loan have proof. My loan is for only {$1300.00}. They say I am now {$890.00} late with {$150.00}. Late charges I pay every month with a money order first of each month. My legal advisor and I called them in person on XXXX. Talked to 3 different people for 2 hours. I told them I have sent Comenity capital bank almost 10 letters for the last 2 years with my monthly payment of {$42.00}. XX/XX/XXXX. I have paid {$1400.00} .started payments XXXX of XXXX. And yet they are saying my payments are late. The amount of my payments keep changing from them. I have never once have been sent a monthly bill from them as well. I was told to keep paying them now by phone on The XXXX of each month until the have received my form as to disputing this and default. Yet it has been 3 weeks I still have not been sent a form to send them.i have copies of each time I paid them every month and they are also saying they never get the money orders or they are due on the XXXX XXXX. But when I applied for the loan is was to be due by XXXX of each month yet when we spoke to the lady on the phone she said it was due each month on The XXXX XXXX. And saying I now owe {$54.00} late fees as well. I was not to have interests charges as long as it was paid in full .yet they say now I do have them and I still owe {$980.00}. Or {$960.00}? They are not for sure. Still when I have paid them {$1400.00} plus XX/XX/XXXX I called and paid {$40.00}. For XXXX payment. It should be paid off with no balance. I am not late .never have been and have proof of every receipt since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. It is my understanding that you are required to verify these items with the corresponding creditor. Please eliminate any information that the creditor is unable to validate. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. According to the provisions of the act, there should be no charge for this updated report. I also kindly ask that you notify anyone who has received my credit report in the past six months of any corrections made.

Thank you for your attention and assistance in this matter. 
Sincerely, _____________________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears 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 XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$25.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach.

Please find the details of my accounts below : Fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Account Name : Extra Account Number : I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, The company Alliance Collect has attempted to collect a debt from me. This company has sent me documents trying to validate the debt and didnt send me my Hipaa release form, instead sent me a detailed description of what happened at the visit. This company should not have access to my PHI without my authorization. 

I spoke to a gentleman named XXXX before sending them a validation letter. I was confused about our conversation and only took away owing {$480.00}. On XX/XX/2021, XXXX  flagged my account giving this debt a new open date and late payment. Im more this frustrated with this company Alliance collect because I sent them a violation of my Hipaa rights letter demanding them to seize any action to collect this debt and to not report to the credit bureaus. They took it upon themselves to report this debt and not respond to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter I sent to SAGESTREAM : To Whom It May Concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, " SAGESTREAM '' never responded or complied with my request. I will send them the letter again via certified mail. 

NOTE : I HAVE ALSO CALLED THEM 2 TIMES AND LEFT A MESSAGE. I NEVER RECIEVED A CALL AS OF TODAYS DATE.
Product: Mortgage

I was told I can qualify into re-financing my loan since I was months in advance in my payments. Wells Fargo Bank N.A . did not allow me to modify my loan nor did they allow me to do a reverse mortgage with Private Bank ... Wells Fargo Bank filed a foreclosure with fraudulent note ... knowing that the endorsement was created by one the attorney XXXX XXXX who works in the firm of XXXX XXXX XXXX, claiming to be vice president of XXXX ( XXXX XXXX Circuit Court No. XXXX ... Wells Fargo Bank N.A . entered into a XXXX XXXX in XXXX & XXXX allowing borrowers to stay in there homes in which I have lived for 32 years. They are not complying to the Consent Order. Illinois Appellate No. XXXX ... in which they stated they do not have to enforce a federal judgment order ... .Illinois Attorney General Office also received my complaint about the XXXX XXXX Judges not willing to enforce the Federal Consent Order ... in which I still have not gotten a complete response, as to why the Courts refuse to enforce .... The loan originated with XXXX which the bank continue to make withdrawals from my account after the note was endorsed and transferred to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act, the lists of accounts below have violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX  XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : acct # XXXX, XXXX XXXXXXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : acct # XXXX, XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX 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.

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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ]. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question XX/XX/XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

I have sent XXXX notices to the creditor on behalf of the collection and no response. I was never given any information to dispute this debt but yet it has been reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate accounts appearing on my credit report. 

Upgrade acct XXXX XXXX XXXX acct XXXX This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ) 15 ssc 1681 et seq.

THE FCRA mandates that credit reporting agencies maintain accurate information in consumer reports. The following provisions support my dispute. 

1. 15 USC 1681e Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports.

2. 15 USC 1681i Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request an accurate and complete investigation. 
3. 15 USC sec 605b It is illegal to report information on my credit report without my permission.

Please remove these inaccurate items from my credit report and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank You for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF EXPERIAN, XXXX XXXX
Product: Mortgage

I have sent them ( AmeriHome ) my letter from the county with my exemption for taxes. They are not responding to my tax exemption. Instead they are withholding taxes and not obeying the regulation concerning vets. I have called them and was told they will eventually get to it. I do not want to pay unnecessary taxes and have to file to get them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}