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

I am formally disputing the following negative items on my credit report : XXXX XXXX  XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report ( background check ) lists my offense but does not list the date of conviction. This report does not give the potential employer any idea how long ago I was convicted or served my sentence. Its important for people to know how long in someones past they were a bad person.
Product: Debt collection

They have been contacting my son who is a minor to collect the debt. He has told them that they need to speak to me, but they still call him.
Product: Debt collection

UNITED REVENUE CORP a debt collector for XXXX  XXXX XXXX is reporting a debt on my credit that I do not owe. The reporting of this debt is a violation of the FCRA and FDCP act
Product: Debt collection

Navient continues to attempt to collect a debt that was part of a court order to discharge due to bankruptcy. Navient is aware of their documents stating the court order and loans removed from my account. Navient mailed these documents to a former address that I have not used in over 10 years, even though Navient has my current address on file. I have made multiple attempts via email to provide back these documents to Navient and requested that they remove these loans from my account without success. Navient records calls and I am not comfortable with this type of communication. As such I have requested Navient to email for communication. They refuse to acknowledge my emails and request to comply with the court order.
Product: Vehicle loan or lease

After numerous times they extended the payments before, I last spoke with Santander agency on XXXX XXXX for a payment of {$500.00} to keep me up to date with my payment arrangements, I was told that the debit card wasn't allowing my payment so they suggested I get a prepaid card.That left me puzzled and uncertain if this was fraudulent attempts.I have been fighting the fact that my credit report had fraudulent issues regarding the dealership with evidence of matter ... Santander Consumer USA needs to start investigating the people whom feel scammed instead of repossession of car which happened to me illegally and I have the video of the breach of peace from repo man and my lender.
Product: Debt collection

I had made multiple requests for verification of this debt and the company have not send me the requested information. Thus is not my acct and I need proof of signed contract and anything that verify the legitimate of this debt. Dispute is still currently in dispute while is to my understanding that the company has up to 45 days to give me the requested information and they are in violation of my rights. Attach proof of my requested.
Product: Debt collection

There are XXXX accounts appearing on my credit report that are not mine. I have requested copies of any signed contracts or identification used by the person who opened these accounts to prove that it was not me ; but these companies have either been unwilling or incapable of providing the requested information. I can't fathom how any company can just claim to have a debt owed to them with XXXX proof. It's bad enough, that there are people willing to perpetuate a fraud using someone else 's identity, but then you have companies that help perpetuate that fraudulent activity by not doing their due diligence prior to opening an account and then making matter worse by not providing any proof that a debt is legitimate. 

The accounts in question are from a company called XXXX XXXX XXXX acting on behalf of a utility company called XXXX XXXX XXXX XXXX with an outstanding balance of {$310.00} and the other account is from LVNV Funding acting on behalf of XXXX XXXX XXXX, with an outstanding balance of {$550.00}. 

From what I've been able to ascertain, both of these accounts are for utility accounts opened in the state of Texas, which I can confirm I have no connection with.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted 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 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: Credit card or prepaid card

I recently went to check the balance of a gift card, and the balance was {$0.00}, with multiple purchases occurring in California ( while I live in Massachusetts ). After contacting AMEX, I was told the card was physically swiped at both locations and was told there was nothing they could do. After informing them I have n't been to California in years and I have the card in my possession, I said there must be a security flaw. They continued to push back saying there is nothing they can do, and I finally had to have them commit to escalate the issue. The person on the phone promised me I would receive a call within 48 hours, to which I asked he reconfirm that as we were on a recorded line. After reconfirming I would receive a call back within 48 hours, the call ended. Two weeks later, I have not received a call and when calling back regarding the issue, AMEX is demanding a receipt from the time of purchase ( which I do not have as it was a gift ) and has refused to commit to have someone call me back. I informed them that I was promised a call back last time, to which the response was there is no way to confirm them. I reminded the worker that we are on recorded lines and it was very easy to confirm to which I was put on hold, and now 25 minutes into the call I have not had anyone come back to the line.
Product: Credit card or prepaid card

My credit cards were stolen last year including Chase ending in XXXX. My credit dropped from 700 's to below 500 's. All credit companies have worked with me except Chase Cardmember Services, XXXX XXXX XXXX, XXXX Delaware XXXX. I had health issues, then theft, then Hurricane Harvey, 34 '' water in home, lost office, a catastrophe that is still existing. Chase said that I said " I can't remember '' or I don't know and based their decision on tha and that I didn't contact Chase, Didn't make payments on card, and didn't contact Chase until XX/XX/2018. This is not true. Chase doesn't understand being overwhelmed or catastrophes. Chase allowed the thief to make payments that then bounced thus allowing the thief to go above all credit limits. Chase did not research the accounts used to make these payments and will not send me the account info used thus protecting the thief. I have been very open and will assume all debt that was mine prior to theft. I was coerced by Chase collections to make a payment and then fraud department said I assumed the debt by making a payment. I want to pay only what I incurred and I want to continue payments as before theft.
Product: Credit reporting or other personal consumer reports

When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair 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 Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Unfortunately after the results of an investigation into HIPAA violations, XXXX  continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
Product: Mortgage

I moved into a new townhouse in MA in XX/XX/XXXX. My mortgage that I bought my house through was sold to Newrez so they are my new mortgage company. I have been paying my mortgage of {$2000.00} each month and have over {$7000.00} in my escrow account. I assumed my mortgage company would pay my property taxes that are due quarterly out of my escrow account. But I was notified by my neighbor who lives in the adjoining townhouse that my mortgage company never paid mine that were due on XX/XX/XXXX. When I called numerous times, I was told there was confusion with the parcel # and where to send it to. When I provided the correct parcel number I was told it would be paid by the next property tax deadline on XX/XX/XXXX, which they didn't. I have written to them complaining and trying to demand that I need my property taxes paid as it is affecting my credit score now as well as my neighbor 's. I am totally confused why they are not doing paying my property taxes and I had no idea this could actually happen. They have yet to respond to my complaints too. I am going to call again tomorrow morning to see if I can get some help and answers.
Product: Credit card or prepaid card

after recently seeing interest I paid on 2 credit cards which is not the original rate [ Capital one there in my wallet ], I paid them off. after paying off total balance I was billed another payment and was restricted from any charges for use on both cards after being told that I had to do a verification and could not be accepted on 3 attempts. I am under the impression just the way they handle me as a customer that they dont want my business since there is no option for verification in person I froze the account online. They also told me that since it is now restricted that my choice to freeze cards can not be done since restricted. What they have told me is definitely scripted and seems to be an attempt to close my account. They also wiped out the XXXX XXXX  XXXX rewards I collected. My efforts to straighten up this mess has resulted in high then normal XXXX XXXX and the embarrassment of the cards not working after they told me it was working again. cards ending in XXXX XXXX
Product: Credit card or prepaid card

Briefly, my complaint is about both errors in my credit card bill, and the impossibility of contacting anyone about it. 

Over the past XXXX weeks, I have spoken with XXXX supervisors, each of whom assured me that they someone XXXX or XXXX levels up in management would get back to me. Each of them confirmed that the bills of my last XXXX months do not look right - the totals themselves were/ are incorrect! I have never been provided with any way to contact anyone there, and when I have phoned in, my only option is to speak to yet another supervisor. Neither have any of the supervisors left notes that subsequent supervisors can review. Apart from a woman named XXXX see below NO XXXX has ever contacted me about this issue from Barclays. 

There was XXXX supervisor, and woman named XXXX, who did leave a message for me on my phone even to the effect that Barclays was giving me {$100.00} to compensate for the difficulty I have experienced in dealing with this issue, with the impression ( but not certainty ) that she was continuing to research my issues. My impression is that XXXX was trying to resolve this issue, but she was under constraints by Barclays. She was not able to leave any way for me to contact her, leaving me none the wiser as to the status of my account, and still with no recourse. I was never given a case number or any indication that my complaint was being taken seriously until this recent not very clear message, and although I filed, weeks ago, what I was told was a formal complaint over the phone, there was never any indication that that ... went anywhere. 

I find it remarkable and ridiculous that there is no way for an agent of Barclays to be contactable, that there is no continuity built into their system, let alone that numerical discrepancies could arise in their credit card assessments/ calculations.
Product: Debt collection

MIDLAND FUNDING ( account number XXXX ) is attempting to collect a debt from me that was paid. This debt has already been paid. The money was garnished from my wages. The original creditor was XXXX XXXX XXXX. The payment number is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Mortgage

An agent from Rocket Mortgage pulled our credit without our consent to refinance. They started calling us non stop and we finally answered after hearing her out to be polite to her, We told her by phone we were not interested, that we were happy with our existing home loan with them. The next day we replied to 2 separate text messages saying that we were not interested, we were feeling almost harassed with all the calls we were getting while we were at work, until I had to pick up and say PLEASE STOP HARASSING US, we are happy with our current loan and we are not going to refinance Tonight we realized that we had a hard inquiry because the agent pulled our credit without our consent, permission or authorization. That is against the law and our rights. How dare you betray and take advantage of faithful customers Rocket Mortgage?!!! 

I have pictures of the text messages and calls to prove it.
Product: Credit reporting or other personal consumer reports

I never authorized or gave permission to the credit bureaus, XXXX XXXX or XXXX XXXX to report a late payment or any of my person information to my credit report. According to 18 U.S. Codes 1028A-Aggravated identity theft is being commented and those items need to be removed immediately.
Product: Checking or savings account

This bank has been hiding behind an out of date fee schedule & needs to be investigated for its crimes against its customers
Product: Student loan

The loan is for our son and I believe originated in XXXX. Over a year ago the remaining balance of the loan was placed on a monthly draft from our checking account for $ XXXX. For some reason the payment did not draw in XXXX of XXXX. I have contacted Citizens bank and they stated that they tried to call me to let me know the payments were not being received. The calls were made to a land line number which is no longer in service. They didn't follow up the phone attempts with a letter, but instead placed the loan with a collection agency. I have contacted Citizens ( XXXX ) twice to offer getting the payment fixed including sending them the {$300.00} for the months the draft was not drawn. They have told me they can no longer help me as the loan has been assigned. I also spent XXXX minutes working with our credit union to determine why the draft was not sent, and was told clearly that the problem was not on their end. I have been in contact with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). The have offered a settlement to terminate the loan which we are willing to do, but they want to receive the payoff in a rather unreasonable timeframe of {$1000.00} XX/XX/XXXX and {$1900.00} by the end of XXXX, which is basically the {$2900.00} settlement amount in 30 days. This would be difficult, but might be possible over XXXX  months. 
The bottom line here is that I feel totally manipulated, first by Citizens Bank and now by the collection agency. We have made a good faith effort to make this right with the bank, and I don't feel like i should even have to deal with the collection agency, but I will in an tempt to put this behind us. Any assistance you can provide on our behalf in the matter would be greatly appreciated. I also want this resolved without and affect on my XXXX XXXX XXXX. 

Thank you, XXXX XXXX