23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a medical collection from XXXX XXXX XXXX on my Experian credit report that is unknown to me. It has only ever reported to Experian, since I discovered it. I sent an initial dispute to Experian notifying them this was not my account. Experian claimed their investigation verified the account belonged to me and if I wished to dispute the account to contact the data furnisher for additional information. I then mailed the Collection Agency ( XXXX ) a certified letter whom did not respond to my request to provide information that this medical account belonged to me. I followed up with another dispute to Experian via certified mail, notifying them that I followed their outlined procedure by requesting the information from the collection agency. In response back from Experian, they stated that the results of their investigation were updated in my file. In another attempt to further determine if this was my account I sent a certified letter to the original creditor listed and they did not accept my letter. It was returned to me. I am frustrated that this account continues to report on my report and the collection agency verifies it, but not them nor Experian has provided any information to support that it does in fact belong to me. From what I understand to report anything medically related that they would be able to provide a copy of a XXXX release showing they have the right to report this account they claim to be mine or that they have a business relationship with the original creditor, which grants them the right to disclose private medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX - Account # XXXX ) I am writing this letter in regards to the account referenced above that is being listed on my credit report by EXPERIAN. This account has not been properly verified and as you know failureto comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

For obvious reasons, I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I demand that this account be removed off of my credit profile immediately. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Consumer Loan

i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.
Product: Credit card or prepaid card

On XXXX XXXX, I made a dispute complaint with chime because my purse with my cards and phone were stolen. I went through the correct protocol; reporting my cards lost or stolen, made a police report and disputed all charges. 
Chime notified me ton XXXX XXXX that a decision was made and I would be refunded my money no than the XXXX XXXX. Approiamately two days later I logged into my chime app and it stated a split decision was made and I was credited for an XXXX charge. I then notified them asking to speak with their supervisor. I did not understand how one of the charges were found fraudulent, yet the others were not. All of them were made at the same time frame when my purse was stolen. Also a lot of the charges were ( upon my own investigation ) were charges made to subscription I had canceled, and made to XXXX and or XXXX XXXX XXXX. If you can help me Id appreciate it. Chime is supposed to insure you against any fraudulent transactions made and I provided them with the police and all and still they have refused to refund my account.Also in the user agreement it states that a provisional credit would be available to the consumer 14 days after the dispute was filed until they completed their investigation which it was not provided. It was over a thousand dollars in fraudulent charges made and now I can not pay my bills. Thank you again for your time and help
Product: Credit reporting, credit repair services, or other personal consumer reports

We are asking you to investigate the impact that that our Bank of America Home Equity line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXXwe send a fax to BOA appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to XXXX XXXX and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX. 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from Bank of America indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from Bank of America. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 4. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately
Product: Student loan

Ca n't afford to pay the monthly payments. Contacted the provider and they stated they ca n't do anything for me. I 'm not sure why I 'm paying for a loan for a degree that does n't exist.
Product: Checking or savings account

on XX/XX/2018 a deposit was made to the bank sun-trust for an amount of XXXX dollars. The bank place a hold on the check in the afternoon on XX/XX/2018 for the next seven days which was not reasonable until XX/XX/XXXX. Proof was provided to the bank on XX/XX/2018, indicating that the check was paid in the form of a verbal confirmation with their representative via phone and the drawn check bank and a copy of the paid documentation indicating withdrawal of the check face amount to sun-trust. SunTrust did not release the hold, charged overdraft fees and maintained their hold for unreasonable time after receiving proof that the payment was paid. The bank is not operating in accordance to compliance for handling checks they did not release any of the funds daily, charged fees for bills, did not indicate that their would be a hold. They release the check at first then mid day on XX/XX/2018 when a bill pay was due then place a hold on the check and then charged fees for not having the amount in the account for coverage of the bill pay. The paid the bill pay and charged several overdraft charges. They place a hold to then charge several overdraft charges from monthly ACH bill which come in monthly. The deposit of the check for XXXX is a monthly deposit to cover monthly ACH and bill pay charges which occur every month for the past two years bi-weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with R & R COLL SVC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$110.00} Amount Disputed : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. XXXX  or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Product: Credit reporting or other personal consumer reports

PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me. These accounts appear on my credit profile and are constantly being updated. 

I am citing : 15 U.S. Code Subchapter V- Debt Collection Practices
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 

Remove this account from my consumer report now!!!
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX in XXXX, GA XXXX. I have attached mailing attachments below along with the actual letter mailed to XXXX, along with tracking and signature when it was delivered. I have been disputing account ( s ) with Equifax. The account below are reporting inaccurately according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , & XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  to remove 6 late payments that were unlawfully added to my credit report by Flagship credit acceptance. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


Inquiry XXXX
Product: Credit reporting or other personal consumer reports

Capitol One XXXX credit card I had told them it was identity theft when that {$470.00} didnt get paid because I no longer have the card it was stolen
Product: Student loan

I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name with out my permission. I did not benefit from any goods or services of this fraudulent account. I am requesting for Equifax to remove and delete this fraudulent account immediately from my credit report. I have attached a copy my police report. Equifax has XXXX days to block and remove this fraudulent account under FCRA 605B or legal actions will be taken against your company. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect a debt in the name of someone else. I have never conducted any business with this collection agency and medical information should not be disclosed according to HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that certain information has been furnished to your bureau without my written consent. As per 15 USC 1681b, Section 604 ( a ) ( 2 ), consumer reporting agencies like yours are only allowed to furnish consumer reports for specified permissible purposes and with the written consent of the consumer. However, I have never provided written consent for the furnishing of my information to your agency or for obtaining my information from any source. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to thoroughly investigate Dispute
Product: Debt collection

XXXX XXXX needs Calls and Harassment to Stop. She also wants a Stay of Medical Bills debt collections and or Negative Credit Reporting. The Billing Company named America Capital keeps calling me and or contacting me for Medical Bill payment even after I have asked her to stop contacting me. The XXXX 's Representative name is XXXX. Their phone number is XXXX. The harassment has been on going for nearly a year. I am afraid to answer phone and or be sued without notice or relief. I received assistance with communication through XXXX XXXX with American Capital.He can be reached at XXXX. 

I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.