23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSERVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSERVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX SEC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX  Their FAQs state that I can transfer funds up to {$150000.00} per transaction and up to {$250000.00}. When I kept getting error messages, they told me they changed their limits to {$5000.00} per day. A significant drop and the account no longer meets my needs. They withdrew money from my external account. It is not available to me and I cant close my account because the funds are in process. The process part is completely on their side. My bank had already released the funds.
Product: Checking or savings account

Navy since XX/XX/XXXX has illegally put hold on {$9900.00} Checking and ( {$9800.00} in savings for no explanation Navy has illegally transferred {$9900.00} to payment of line of credit but is still holding the {$9800.00} in savings to date In the mean time they are reporting my payments late to the credit Bureaus If they can illegally take the checking {$9900.00} why are they holding the {$9800.00} savings They were both deposited on same day The funds obviously are good or they would not have illegally taken the {$9900.00} in the checking to pay the payment on the line of credit Navy has continued to lie to me as for a legit explanation Navy is a bunch of thieves
Product: Credit card or prepaid card

On XX/XX/18 I contacted synchrony in regards to an account from XXXX that they never sent any information on or the card. They stated they mailed the card to an address that's not mine and admitted they recorded the card was mailed back by the USPS and never activated the account due to this. The supervisor " XXXX '' in Kansas refused to mail me ANYTHING about the account after numerous requests. I asked for any and all documents regarding the account but was hung up on by this supervisor. 

Never once in any of contact did they verify who they were speaking with or verify my address, new address, anything AT ALL. I could have been an identity thief, they didn't care. They refused to close the account, they refuse to mail me ANYTHING, and hung up on me when I said they were breaking federal laws.
Product: Mortgage

Bought a home with gateway mortgage company. The home needed few repairs .Was given a XXXX loan and {$31000.00} towards repair .Gateway give the contractor to us even when we refused the contractor they insist we have to have repair done by recommended contractor. Contractor got money no repair done up to now ripped home apart has not comeback and got money from gateway has not get the job done.we have no place to cook for our kids and we already paid one month mortgage and still no contractor.
Product: Debt collection

I was involved in a not-at-fault motor vehicle accident on XX/XX/2018. I was transported by ambulance to XXXX Hospital emergency room where I received care. I gave the hospital my in-network insurance at the time which was XXXX under my mom. My insurance paid {$700.00} which the hospital has collected and in my explanation of benefits stated my patient responsibility is {$0.00} because of the following code reason : " Q05 - Patient Not Liable, For XXXX XXXX XXXX XXXX ''. I have repeatedly tried to give XXXX Hospital and the collection agency my EOB and they refuse it and want to full amount of {$10000.00} even though insurance has paid.
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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance  Owed : {$3300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened without my knowlege and i want them removed from my credit reports XXXX, Experian and 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
Product: Student loan

My XXXX loans are serviced by ECSI ( Heartland ). When I recently attempted to check my balance, the credentials that I always used were rejected as invalid. When I attempted to reset password, the system did not recognize my account ( based on last name and birthdate ). I am at a loss about what to do to access my account information. The XXXX XXXX does not appear to work. I was on hold for almost an hour, and then left a number for a call back. Neither option has resulted in talking to an person who can grant access to my account. I don't know what else I can do. Please help me access my account. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$2100.00} XXXX  XXXXBalance {$590.00} XXXXBalance {$1900.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX  XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.
Product: Vehicle loan or lease

I returned a vehicle to GM Financial. GM Financial charges me {$180.00} in late fees even though I always attempted to makemy payments on GMs website on approximately the same day, within the grace period. 

GM Financial is also reporting derogatory information to credit bureaus concerning this account. 

GM Financials website experienced significant problems, and GM indicated that it would waive late fees and delete derogatory credit information due to customers inability to make a timely payment. 

Nevertheless, GM Financial has refused to waive these late fees and has refused to correct erroneous credit reporting on this account.
Product: Checking or savings account

I called and spoke to my banker as well as requesting via the app to close my account. The bank, California Bank and Trust, charged {$10.00} a month fees that were not disclosed to me when I opened the account and fees for not receiving statements electronically. 
I moved my money out of the account and requested they close it and they said I had to come into the branch or send a notarized letter in order to close the account, I am sure to charge more fees in the interim. There is absolutely no reason why I should need to go to the branch in order to close my account, especially after giving a verbal to the business banker who opened my account and verified it was me on the phone. This account was for a brand new company I started and had a relatively small balance. They would empty my account just from fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, two accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report.

Details of the Disputed Accounts : Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DIMISSED Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DISMIISED Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XX/XX/2016 as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older one through the bureau in XX/XX/2016 and then this new one pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old one, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XX/XX/2016 and report date of XX/XX/2016, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with XXXX, XXXX and Experian. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

XXXX is not reporting a payment history ; Experian is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Mortgage

Dear Bank of America, I appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. 

As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? 

Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill Its a legal obligation under the fair credit reporting act ) ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or on verified accounts on resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, cause the ongoing harm to my credit report. I am requesting immediate corrective actions, remove or amend the disputed accounts, as experience and action, violates federal law, and my rights as a consumer.
Product: Debt collection

I have disputed with XXXX XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called ARS collecting for XXXX XXXX XXXX XXXX XXXX. XXXX received my Dispute XX/XX/2017 and they state that they received verification from ARS of a debt XX/XX/2017 - that does not belong to me. ARS could not verify my SSN on these accounts. The information they have in their office that XXXX is reporting on my credit report is not my info yet an XXXX representative and Supervisor XXXX XXXX states that ARS sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with ARS he confirmed with me that the last XXXX digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from ARS then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by ARS, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on XXXX. I have repeatedly told XXXX that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from XXXX with an update on this matter. And the letter received from ARS requesting for debt Validation has not been received from XXXX or ARS connecting me to this debt. They have not provided me with any original documents that contain my signature or ID or anything that connects me to these debts that are not mine. I am respectfully requesting for XXXX to remove these XXXX collections accounts that do not belong to me that have not been validated and ARS to complete that request immediately. 

XXXX should be fined ARS should be fined, and they need to remove the errors from my report immediately. They should compensate me for their reporting errors that they do not validate. When I asked one of their reps at XXXX what they received that validated this debt she could not tell me and in speaking to XXXX XXXX he refused to provide me with a physical address to send ARS certified mail as well as hung up on me without reason as I was not hostile but asked him multiple questions that i received answers on and others he did not provide. I asked for XXXX XXXX contact info he did not provide it. I asked for phone number to the ARS clerical department he did not provide a contact phone number. I spoke to rep XXXX who did not provide an Id or last name and she was rude and unprofessional when I asked for a supervisor she transferred me to some hotline without telling me it would be a voicemail.