23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to XXXX. XXXX received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the XXXX address is correct and mailing was complete. Thus, it is presumed XXXX received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to XXXX the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, XXXX is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, XXXX is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; Medical Data Systems, Inc ; XXXX XXXX ) and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

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

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXX XXXX Inquiry : XXXX. XXXX, 2022
Product: Credit reporting or other personal consumer reports

TransUnion refuses to publish my credit history for more than two and a half years. They claim I have no history prior to that. TransUnion also shows a credit score deduction negative XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and there is no reason stated for why the score went down. TransUnion refuses to rectify or answer with any type of reason whatsoever to these two issues. I am constantly told they can't give me that information and redirect me to an automated number that just wants me to pay for a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

Bureaus using computer credit system that unfairly lowers credit scores for credit card usage for XXXX consumers and/or showing extreme prejudice. On XX/XX/year>, I made XXXX purchases for {$290.00} and {$94.00} and paid off {$150.00} in credit card debt. My score was unjustifiably was lowered by XXXX points by XXXX Credit Bureau any XXXX points by XXXX according to Credit Karma. On random months, I make the same {$150.00} payment and my score is raised by XXXX points. This month AGAIN I DECREASED my debt THE SAME AMOUNT ( {$150.00} ) then added the {$580.00} BUT my score dropped an unjustifiable XXXX XXXX. HOW IS THAT POSSIBLE?! The live agents continue to say scores are calculated by AI. This is further proof there is a program set up to keep CERTAIN Consumers from having lower interest rates and from being offered certain advantages that will help them save money on every day purchases and living expenses! 

I've had perfect credit for a long time. I have a 100 % payment history. My scores in both credit bureaus have been OVER XXXX. The one time I use my credit card for an estimated {$430.00} purchase, my score drops by XXXX points!!! Something is DEFINITELY WRONG with this picture!!!! 

Also, I have XXXX accounts listed XXXX and XXXX times that has contributed to my debt ratio increasing moore than {$3000.00}. This is XXXX!!!!
Product: Checking or savings account

I was taking money from my credit card in a cash advance and putting into my checking account. I then took money from my account as I did know it was a fraud and identify theft. This was going on for a few weeks. 
Upon receiving a money transfer and removing money several time a manager said they would close my account because I was being fraud. I asked if the money would be returned to me and they said the fraud department was handling it. I tried contacting the department and they would respond, " still in research. '' The institution : Bank of America. 
I also had so problems with : XXXX XXXX XXXX but they did give me an affidavit to file to there company. I believe if I was under duress and was told to comply that something can be done. Thank you
Product: Student loan

Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.
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. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Consumer Loan

I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX i sent in the dispute letter. I still have not received any response and it is XX/XX/XXXX After conducting thorough research, I discovered that this account violates the Fair Credit Reporting Act ( FCRA ) due to the nature of the reporting by your institution. There are several violations associated with the reporting of this account on my consumer report. I will highlight each violation : According to 18 USC 1028 ( d ) ( 12 ) - Financial institutions transporting and transferring nonpublic personal information related to the consumers transactions and experiences with the financial institution is a Trafficking and identity theft violation - which is considered financial fraud according to the Fair Credit Reporting Act. In my case, NCA is trafficking my nonpublic personal information from XXXX to XXXX and XXXX- which is a nonaffiliated third party. 
The Fair Credit Reporting Act ( FCRA ) has been breached by NCA. As per the FCRA regulations, every " financial institution, '' including collection agencies, is required to furnish an Opt-out and a duly signed Form SSA-89, issued by them, to the consumer. The consumer must sign this form to grant the financial institution permissible authority to disclose any nonpublic personal information associated with any social security number linked to ANY consumer. NCA neglected to comply with this requirement, constituting a violation of the Fair Credit Reporting Act. In my case, I was not issued any such notice of opt out or SSA-89 - which clearly and conspicuously proves that NCA has committed financial fraud according to the grounds of the Fair Credit Reporting Act. 
**Inaccurate Representation of Financial Standing : ** Listing this account as a charged-off debt inaccurately represents my financial standing. While the debt may have been reported as income on IRS Form 1099-C, it remains an income event and not a true debt that can be charged off. 

According to the FCRA, Financial Institutions are prohibited from reporting nonpublic personal information to nonaffiliated third parties like XXXX and XXXX. The inclusion of this collection account on my consumer report is a clear violation of the Act, as it discloses nonpublic personal information derived from transactions between myself and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through Transunion credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Directly with the company on XX/XX/XXXX, and on XX/XX/XXXX, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX is reporting a past-due balance on a collection account
Product: Debt collection

Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis 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.
Product: Debt collection

RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 



XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX  is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter
Product: Student loan

I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years now,   XXXX   XXXX   have bought my former mortgage without me knowing for a six month period. No documents were sent, no phone calls were made.   XXXX   XXXX   is now being followed up by a lawyer. They did start correcting information on Equifax, but refuse to update information on   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I checked my credit with all 3 credit bureaus and this debt is not mines. I have never lived at the address that the company is trying to collect on me. This debt is very damaging to my credit and I have no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Product: Debt collection

XXXX XXXX sent a debt that I did not owe to National Recovery Agency and it dinged my credit report by over XXXXXXXX XXXX. The debt is not mine, I have not used XXXX XXXX since XXXX  when I CLOSED my account. I filed an identity theft report with the FTC as well as this is not my account and the phone number associated with the account is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by XXXX XXXX The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Checking or savings account

I received this letter from Chase Bank XX/XX/2022. I am confused to the verbiage of this letter and further the actions of all my accounts, violation to my privacy within these accounts and Chase Bank banking practices. It is to my understanding that I hold and have held only four accounts, one jointly and with a authorized rep on one credit card. Chase bank has informed a state agency of ( 12 ) accounts not to mention given all my financial records without my consent or notification. On one of my credit cards Chase bank allowed a merchant to charge an inactive card for a period of four months and would only refund the fees for two transactions. I have reviewed my payment history for my cards and within this year, payments have been difficult to make. I have not been offered a payment plan but have received this most recent letter. Due to the FACT Chase has been unwilling to explain the actions of its employees XXXX XXXX, XXXX XXXX, or XXXX XXXX, properly credit and explain fees accessed to my account ( s ) I am relying on the regulation of Consumer Financial Protection Bureau for further assistance.
Product: Credit reporting or other personal consumer reports

I am seeking your help with the incorrect account that is listed on my credit report. This issue has severely impacted my reputation, and I need your assistance. Your mishandling of my credit report has put me in a difficult situation, and the false reporting has tarnished my reputation. These inaccuracies need to be removed immediately from my credit report.\
Product: Credit reporting

XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.