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

I am writing to dispute the inaccurate collection account ( XXXX ) listed on my credit report. As a consumer, I have the right to ensure that the information being reported about me is both fair and accurate, as stated in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. I respectfully request that you investigate the following collection account ( XXXX ) and remove any inaccurate, unverifiable, or outdated information from my credit report. 

I believe this account is inaccurate for the following reasons : XXXX Has deleted this account from my account due to the fact it could not be verified to be mine I have attach my XXXX letter stating it was deleted, so please deleted from my report as well. 

According to the FCRA, specifically [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. I request that it be removed from my report in compliance with [ 15 U.S.C. 1681i ( a ) ]. 

Please send me a written confirmation once the investigation is complete, as well as an updated copy of my credit report reflecting any changes.
Product: Mortgage

I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my  Second  Mortgage interest rate is 8.5 %. If the rate was more of the  country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I send in a certified letter to Experian, and they said they did an investigation, and said it came back verified. They didn't supply me with the verify company and what process they did.
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries that I did not authorize on all three credit agencies Transunion, XXXX, and XXXX. I have attached a fraud report with all the listed credit inquiries in question.
Product: Checking or savings account

I had a transaction account with Juno a XXXX company that advertised FDIC insured transaction accounts including, debit card and bill pay services. I deposited cash, and directed XXXX sales payments to this account. My account balance was {$14000.00} as of XX/XX/XXXX when my account at Juno was summarily suspended due to issues with XXXXXXXX XXXX and XXXX which was their banking partner. 

In XXXX, XXXX sent me a letter claiming that they only held {$1900.00} of my funds and that this amount would be paid out and my account with XXXX would be closed. 

In XX/XX/XXXX I filed an appeal with XXXX showing tracing of nearly every transaction in my JunoXXXX account demonstrating that my Juno account balance was correct and that XXXX owes me the balance of funds. XXXX denied my appeal. 

In XXXX of XXXX I requested a complete transaction record and filed a Notice of Error Under Regulation E ( 12 CFR 1005.11 ). XXXX has not replied to either my request for transaction records or my Notice of XXXX. 

The banking system in the XXXX can not be so brittle that a bank can claim that they unilaterally transferred my funds out of my account leaving me impoverished. I feel that it is essential that the CFPB examine the actions of Juno XXXX and their banking partner XXXXXXXX XXXX and XXXX for irregular and non-compliant financial activity. Consumer banking relies on trust which has been seriously eroded by Juno and XXXXXXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

I received a phone call by a company that goes by the name : Aldous & Associates. They are trying to collect a balance of {$400.00} from the gym membership that I currently go to. Theyre claiming I never paid that amount on XX/XX/2023, and if I dont pay they threatened me that my credit will be affected. Once I was aware that my XXXX XXXX can potentially take a big hit if i dont pay this large amount of money I go to the gym myself. I spoke with the XXXX personally and turns out that my credit card was never updated. During that time I was still going to the gym and never once did I receive a letter or email from anyone to let me know that my card was never updated. Never got a call or email from the gym, just a straight up bill that I have to pay from a debt collector. We fixed the issue with the correct card that day and I am STILL an active member there. Theyre claiming that I cancelled my membership when I never canceled anything.
Product: Credit reporting

Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )
Product: Debt collection

XXXX XXXX XXXX has been harassing me and family memebers about oustanding debts they purchased but are not mine. Since they are medical bills and we all sign for treatment all I ask for is my authorization of services but they furnish nothing. They are rude and completely violate the Fair Credit Reporting Act. My next step is contacting the State Attorney General. 

Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX These are not mine and they can not provide proof that they are so I request they delete these from my credit reports from the 3 XXXX  XXXX and XXXX XXXX. These false collections are severely hurting my families well being because I can not obtain credit due to XXXX and their false activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with Experian, XXXX  and XXXX. Although I had a XXXX  balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX IS REPORTING XXXX 'S BALANCE OF {$520.00}.
Product: Mortgage

I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, TransUnion, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, TransUnion to furnish any late payments on my credit report. 
These items on my credit report need to be updated.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  XXXX XXXX Account I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX  XXXX XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ XXXX ] of the XXXX  XXXX XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate and can not be verified properly, it must be deleted XXXX by the credit reporting agency. 

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXXXXXX XXXX XXXX , are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Product: Debt collection

In XX/XX/2020- my car was deemed a 'total loss ' by my insurance company. I contacted Ally Financial regarding this and they let me know that my XXXX XXXX ( also provided by Ally ). My insurance company provided a settlement payment for the majority of the remaining loan, while the remaining was submitted to the XXXX XXXX XXXX. 

My XXXX claim was denied, not once but several times. I have spoken with my insurance company - as I was not provided a police report from this accident - to provide Ally XXXX the correct " Statement Of Loss '' letter. They ( my insurance ) informed me they had called, received calls, and emailed over forms and letters on multiple occasions. 

As I have been going back and forth with Ally, and Ally XXXX for the last XXXX to XXXX years, they have now sent this account to collections. Which I have been attempting to dispute. As I have all required documentation and have provided it on multiple occasions, via email and XXXX.
Product: Debt collection

back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them. 
thank you. attached are letters I tried to offer.
Product: Money transfer, virtual currency, or money service

The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  has violated my rights.

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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

This is getting ridiculous. Each month you lie to me. I have had some finical issues and each time people tell me that they will help me and they do n't. They just keep on lying. For example, on  XXXX   XXXX  of this year, I spoke with a gentleman named  XXXX .  XXXX  helped me by saying as of  XXXX   XXXX  he could help me enroll in a program if I paid {$150.00} to keep my account from going to the next person.So I did and I believed him. We scheduled a call for   XXXX   XXXX   on  XXXX   XXXX  to get me enrolled. I left that call feeling like finally, somone helped. Well, I was wrong. He also said he would push all of the calls from me and my cosigners. Well, yesterday,  XXXX   XXXX  my mom was being harassed by Navient, yet again. So I called  XXXX  hoping he could let me know what the issue was. To my surprise, I no longer have  XXXX  I have  XXXX .  XXXX  promised me that he would be my account person now. So  XXXX  tried telling me all of the things I already knew was a problem. I stated to her that to please read the notes, I spoke with  XXXX  and he told me everything would be okay. After several minutes, she magically saw what I was talking about. She agreed to what my deal with  XXXX  was. So again she said I will push all of your calls until we talk on Monday. Which again we scheduled a call for  XXXX   XXXX  at   XXXX   XXXX  . When I hung up yesterday, I was annoyed but at least she understood what the deal that happened only a few days prior. So this morning I am at work and my mom calls and says  Navient  has called 8 times since   XXXX   XXXX   .... It 's currently only   XXXX   XXXX  . Are you serious? I have an arrangement. if someone says they are going to push the calls, they should do their job. I am so annoyed with this company. I 've tried time and time again to work with you guys, spending all my money to pay back these ungodly loans. I need to speak with someone who is competent apparently because I am tired of explaining myself to people who clearly do n't care. Also, these robo calls with  XXXX  are annoying as all  XXXX . Even when you pick up the line goes dead and you ca n't speak to anyone. Seriously this company needs to get it together. Lastly, they say they call me, but I get NO phone calls.
Product: Debt collection

XXXX XXXX XXXX is reporting false information on my credit report. I paid the company and they are still reporting a balance. I gave the company money and they are asking for more. I have not received an itemized statement from them and they are trying to collect extra money. they are reporting that I owe {$840.00} This is incorrect. Please remove it from my credit report. this is causing damage.
Product: Debt collection

Someone has been calling my sister repeatedly asking for me. I have not recieved any communication from them at all. Not a call, letter or voicemail and I dont owe anyone anything.
Product: Debt collection

After running my credit report through XXXX  I noticed a discrepancy which showed a debt collection account for XXXX XXXX XXXX owing {$1500.00}. I immediately sent a letter to request validation of the debt as I was notifying the debt collection agency that this is not my debt and that I required proof. When they responded 30 days after first letter they provided a photo copy of an invoice billed in my name. To date they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Also the description of the procedure used to determine the accuracy and completeness of the information was hereby requested. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Progressive Management Systems the alleged amount.. I have not yet received a 2nd response, the 30 day time frame in which they must respond ends of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Is reported on all 3 credit bureau 's XXXX, XXXX, and Transunion without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.
Product: Credit card or prepaid card

I received a gift card for {$500.00}. XXXX XXXX XXXX card. The expiry date on the card is XX/XX/22. I have been trying for more than a month to activate this card but where ever I try the systems tell me that the card has expired. I have written to their customer service with no response. I have called them almost daily and held on for hours and hours to speak to someone with no response. In most cases, the call is cut off while holding.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. 

In accordance with the Fair Credit Reporting Act, I hereby request that you thoroughly investigate and rectify these items from my report. I understand that you are obliged to verify these items with the relevant creditor. Please ensure that any information not verified by the creditor is promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts showing current all year in XXXX. Then in XXXX Equifax changed it to show lates. If I was current all year long how can they go back after the year is over and changes it to late payments.
Product: Checking or savings account

Good Day, My card was used by someone ( {$290.00} ) for a flight ticket and chime does not want to credit it back. 
I totally disagree with Chime ' resolution decision since I am strongly convinced that my funds should be credited back to my account.