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

Im still waiting on a response... 

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1.XXXX  XXXX  XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please update to paid as agreed. 

2.XXXX  XXXX XXXXIncorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report 3.XXXX  XXXX bnk XXXX -Incorrect informationm, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report 4.XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report 5XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

I made a debit card purchase for services from a company named XXXX XXXX XXXX, listed on the internet. I purchased the Full Arbitration Representation package for {$1500.00}. The website was very specific about the services I would receive. I received an email confirmation of the purchase and package and that someone would be in touch to set up the consultation. I heard nothing. I sent an email and link was sent to schedule the consultation. The day of the consultation no one called, no email sent. I asked to reschedule, I heard nothing. Repeated attempts were made to contact this business. I made a formal request of refund for services not rendered. The email account was disabled. I called Chase and made a fraud complaint since no services were ever performed. I received a credit to my account. About two months after Chase reversed the credit without any warning or explanation. I called Chase and the representative was very nervous, lied about facts I never said, refused to let me speak to a supervisor. I called back and demanded to speak to a supervisor who was very rude to me, said this was not on the fault of Chase. She said no fraud took place and that the terms and conditions said no refunds. Terms and conditions only apply to legal purchases, not buyers remorse. No services were ever performed so that it fraud and criminal. All purchases are protected by the Electronic Funds Transfer Act and FDIC insurance. I demand a full refund. If not I will file a complaint with high level agencies and pursue legal action within XXXX XXXX as this account is owned by Trust and Trust res. A full account audit will be demanded, and Chase will owe me a lot more than {$1500.00}.
Product: Debt collection

I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid to lawyers office XXXX XXXX XXXX  with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX  who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and XXXX  XXXX with XXXX XXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX  original debt {$480.00} settled for {$440.00}.
Product: Credit reporting or other personal consumer reports

XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! 

I send a certified letter to LexisNexis on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to LexisNexis stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that LexixNexis was indeed where they received the information from that I never gave LexisNexis any written consent. It has been 30 days and I still have not received any type of documentation from LexixNexis. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and LexisNexis still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from LexixNexis. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and Lexis Nexis. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. LexisNexis is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to LexixNexis to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer LexisNexis has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because LexixNexis continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Product: Student loan

Navient mismanaged my student loan account, providing misleading and incomplete information about repayment options, which resulted in financial harm and unnecessary increases to my loan balance. Misinformation About Repayment Options : When I contacted Navient to discuss difficulties in making payments, I was repeatedly advised to enroll in forbearance rather than being informed about income-driven repayment ( XXXX ) plans. I later discovered that XXXX plans would have significantly lowered my monthly payments and prevented unnecessary interest accrual. Instead, the forbearance periods caused my loan balance to grow, adding substantial interest that could have been avoided with accurate advice. Payment Mismanagement : I made payments to Navient with specific instructions to apply the payments to my highest-interest loan. Despite these instructions, the payments were misapplied across multiple loans. This not only increased the overall interest I accrued but also made it more difficult to track my loan balances and progress. Attempts to correct the payment misapplications were met with inconsistent and unhelpful responses from customer service. Lack of Transparency and Poor Customer Service : When I sought clarification on my loan terms and repayment options, Navient representatives provided conflicting information and frequently defaulted to recommending forbearance as the solution. I was not informed of other options that could have better aligned with my financial situation, such as loan consolidation or IDR plans. Financial Harm : As a result of Navients actions, I experienced unnecessary increases in my loan balance due to misapplied payments and accrued interest during forbearance periods. These practices caused significant financial strain and delayed my ability to make progress on paying off my loans. Actions Taken : I attempted to resolve these issues by contacting Navient directly and requesting detailed explanations of my loan terms, repayment options, and payment history. However, the responses I received were unclear, incomplete, or contradictory. Despite repeated efforts, the issues were not resolved, and I continued to face financial harm due to Navients practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX  reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, Transunion & XXXX which was received on XX/XX/2021 by all three reporting agencies Transunion tracking : XXXX XXXX  Tracking : XXXX XXXX Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, Transunion & XXXX in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

Transunion tracking : XXXX XXXX tracking : XXXX XXXX  : XXXX XXXXl XXXXXXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.
Product: Payday loan

Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.
Product: Debt collection

I am reporting this collection attempt to the CFPB because I believe it to be unlawful and in violation of my consumer rights. The amount being collected is incorrect, and I dispute the validity of the debt as stated by the company. I was not properly notified about the alleged debt, which contradicts standard collection procedures. Despite reaching out to the company for clarification, I have not received sufficient evidence to support their claim. The collection agency has continued its efforts without verifying the legitimacy of the debt, causing unnecessary stress and potential harm to my credit report. I have maintained records that indicate the inaccuracy of the information being reported. I am seeking the CFPBs assistance in investigating this matter to ensure fair treatment and adherence to proper debt collection practices. I trust that your intervention will help resolve this issue and prevent future occurrences of such unlawful collection attempts. 

I was supposedly going to lease a unit at the site XX/XX/XXXX, however there is no indication of me visiting the site, gathering the keys or finalizing on any final decisions. I was never notified about anything correctly until I received a letter saying I had a week to dispute last year before XX/XX/XXXX. They also stated I moved in in XX/XX/XXXX last year which is false and continued to state I was told to move out leaving the lease early on XX/XX/XXXX. These dates dont add up or make sense. I have never gotten a notice proving any of the said events on the dates. 

Additionally, the person whom also supposedly leased to same unit as I, this information does not show on their credit report even though they never received keys or visited the site to obtain the unit. 

Below are attached images of different dates according to the debt being placed. Also false dates of move in and notice to move out. There is also the other residents XXXX XXXX report attached and its different than the one I was provided but were on the same lease supposedly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.
Product: Debt collection

After a string of robberies, including a few at gunpoint, I decided to move out of XXXX XXXX  XXXX. I made this decision after Management refused to move me up to the 2nd floor or higher in the interest of safety since most of the robberies took place on the 1st floor where I lived. They kept making promises to move me and never did. On XX/XX/2018 I gave up the keys and moved out. On XX/XX/2018, they sent me an inflated " Interim Bill '' of {$4800.00} which was totally ridiculous and out of spite. I indicated to them that I will not be paying the bill because it is inaccurate and exaggerated. On XX/XX/2018, they allegedly sent over the " Final Bill '' to Fair Collections and Outsourcing in the amount of {$4000.00}. 

Here are the contradictions between the interim and final bill : 1 ) The final bill has a balance of {$4000.00}. The only way the final figure would have been reduced is if I had made a payment. I did not make any payments, I refused based on inaccuracy in the first place. Under the circumstances, the final bill should be either equal to or more than the interim bill, unless someone somewhere is just cooking up figures out of spite and makes an error along the way. 

2 ) The interim statement correctly indicated that I gave up the keys and moved out on XX/XX/2018. However, the final statement indicates that I moved out on XX/XX/2018. How exactly did I move out of an apartment 36 days after giving up the keys? 

The entire thing makes no sense and is consistent with mal-practice. The collection company has been made aware of my observations and have refused to discontinue reporting this inaccurate item on my credit report. 

I also went a step further and requested a verifiable letter from an individual with original knowledge of the debt who can testify that the debt ( whichever figure it is ) was not used to receive a tax benefit or in an insurance claim. They flat out ignored that request. Interestingly enough, the lease at XXXX was a joint lease with " person A '' and Myself. " Person A '' wrote a letter to the collections company highlighting these very same observations, after which they quickly replied to apologize and discontinued reporting. Why then should it stay on my report? " Person A '' and myself were equally liable on that lease. You add it on her credit report, you add it on mine. You remove it on hers, you must remove it on mine. The same reason for removal applies to both.
Product: Checking or savings account

I received an email from Citibank saying that my account ( s ) will be closed on XX/XX/2021. I tried to reach out to my personal Citi banker and the Citi fraud prevention department many times via phone. They told me that the two wire transfers on XX/XX/XXXX and XX/XX/XXXX with total amount $ XXXX seemed fraudulent. They could not verify the money belongs to me and they will send the money to unemployment department. I have all of wire transfer records, bank statements and tax documents that can prove that the two wire transfers were from my own XXXX checking account and the sources of the money are fraudless. Citibank didn't verify any information with me and would not return the money to me. 

Citibank said they were trying to reach out to me to verify the account. However, I haven't receive any email or text regarding this issue. The only email I received is the one saying that they are going to close my account. I was traveling aboard due to a family emergency so that I might not receive phone calls, but I checked my messages and emails regularly. Why there was not a single message or email related to my issue? 

When I reached out to Citibank to provide more information, Citibank refused to verify any information and decided to send the money to unemployment department. That is not fair to me at all. The money belongs to me and I have right to get it back. My personal property should be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXXXXXX XXXX XXXX in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX and TransUnion that I made no payments during XX/XX/XXXX through Present and to XXXX that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXXXXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX, not late and was in XXXXXXXX XXXX XXXX and the information reported is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

i look on my credit report and notice a item that is reporting inaccurate on my XXXX  and transunion report on XX/XX/2020 from XXXX XXXX  XXXX and have disputed to have this deleted from my record because its not correct. I would like for them to validate this error in question or delete it from my report