23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

> Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX, TransUnion, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers/ XXXX is reporting the same late payment twice on my credit report to XXXX . I have tried twice to have the duplicate late payment report removed. I filed an electronic dispute through XXXX dispute center that was unsuccessful. I was informed the information was correct and would remain unchanged even though within the dispute I acknowledged the information was correct however that it was a duplicate report. I attempted once more in writing to both XXXX and to the Kay Jewelers to have the duplicate removed from my credit report and was once more unsuccessful. I was informed that only the information would be updated which was also incorrect due to my Kays card being closed in XXXX and now it shows that I had an open account with them all of XXXX which is inaccurate. Please help me correct these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX XXXX {$670.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened without my knowledge or authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiry : XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.

Permissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.

15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. 


Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).

They have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several negative marks on my report that are holding me back and I need to resolve them so I can have at least a XXXX score please
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my persistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I identified unauthorized transactions on my account, indicative of fraudulent activity. Since then, I have diligently contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these concerted efforts, the unauthorized transactions persist, significantly impacting my account. 

Enclosed, please find a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I received a copy of my credit reports and found a debt to XXXX XXXX NV being collected by IQ Data International. I moved out at the end of my lease and gave correct notice. I received a partial security deposit back as they used part for cleaning. I have tried sending debt validation to IQ Data International , Inc and gotten all letters returned to me. I have tried calling and I get very hostile, rude responses telling me just to pay it and I owe it. I have no reason to owe this property any money, and if I did, why would they give me back part of my deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
Product: Checking or savings account

Date XXXX Chase ATM located inside XXXX XXXX, CA XXXX A cash deposit of XXXX ( XXXX XXXX XXXX dollar bills, XXXX XXXX dollar bill, XXXX XXXX dollar bill, and XXXX XXXX dollar bills ) was made into my checking account. The ATM took the cash deposit, did not fund my account and gave me a receipt stating to call a number to verify funds were deposited. I spoke with a staff member within the branch, she called and was told it will be a min XXXX  day hold to verify funds and a claim would be placed. The branch XXXX also called and ask for a provisional credit for the XXXX to my account and that was denied.
Product: Prepaid card

Received a {$250.00} AMEX gift card from my job as a gift. Can not use it. Tried to use on an online website, no go. It says I can use it if the site takes CVV cord, it does, NO GO. Keeps getting rejected. Attempted to add to XXXX XXXX, again, rejected. THIS CARD IS A SCAM. You will see on the print out that they deducted XXXX for each failed transaction. This card is unusable.
Product: Credit reporting or other personal consumer reports

I am blocked by Trans Union from obtaining my free credit report on the free credit report website and from calling them due to an active lawsuit. I was instructed to request my credit report through their attorney of record XXXX XXXX  per their letter. I followed instructions and sent a request to XXXX XXXX, attorney with XXXX and he ignored my request. Both Trans Union and their attorney are making it very difficult for me to review my credit report and ensure accurate reporting is taking place. My credit score dropped over XXXX points since XX/XX/year> and I have the same accounts on there now as I did in XX/XX/year>, something nefarious is occurring.
Product: Debt collection

I wasn't given enough information to verify that the debt belong to me. The debt collector was extremely rude and aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least a year I have had my XXXX cell phone bill reported to Experian XXXX. 
This resulted in a boost of 4 or 5 points. In XXXX of this year I simply changed the vehicle of payment from my XXXX XXXX XXXX  Master card ending in XXXX to my XXXX XXXX  cash rewards Visa card ending in # XXXX. Inexplicably Experian removed the boost resulting in a reduction of 24 points on my credit score. When I tried to explain that the payment to XXXX  has never been late simply the card from whence it came had changed [ both cards have been registered with Experian XXXX for over a year ], Experian explained that the XXXX  would be picked up once three payments were made with the XXXX XXXX Visa card. Although that seemed unfair I waited patiently. At this writing 4 payments have been made but my requests to re install the XXXX  have fallen on deaf ears. My credit score remains down 20+ points with absolutely no negative credit issues other than inquiries as I am attempting to purchase a home. I have been advised that my interest rate will be 1/4 to 1/2 of a % higher due to the wrongful reduced credit score [ presently XXXX. ] Prior to the elimination of the cell phone bill, my Experian score my score was XXXX.
Product: Debt collection

This loan isn't mine I have filed a police report several years ago regarding this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a new vehicle using a TD Auto Finance Loan. Their website is the primary bill pay mechanism. When you go to set up autopay the ONLY OPTION is to pay the exact monthly payment amount. You can not set up an autopay schedule to contribute MORE than the monthly minimum payment. This is CLEARLY SET UP TO MAXIMIZE THE COMPANY 'S PROFIT. I tried calling TD Auto Finance to set up an autopay amount greater than my monthly minimum payment which would benefit me, the consumer, by reducing the principal and thereby the total interest owed. Further, the website is confusing for most users as it tries to give you the option of applying any excess payment to next month 's minimum payment rather than the principal. TD Auto Finance is preying on unsophisticated borrowers and creating artificial barriers to reducing overall costs to people financing vehicles.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX acct # XXXX, XXXX  XXXX bank # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell me how you did XXXX.Who did you talk to at the origi al credit grantoror did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address / phone number on my report? The FCRA says you have 15 days and dont give me the generic response of how you various methods. With the person full name you spoke too. 
ALSO WHAT IS THE DATE OF THE COMMENCEMENT OF DELIQUENCY? THE ORIGINAL CREDITOR IS REQUIRED TO GIVE THAT TO YOU.AND WHEN WILL THESE TRADELINES BE PAST REPORTING TIMEFRAME NOT THE GENERIC ANSWER LISTED ON THE LAST RESPONSE.TELL ME SPECIFICALLY AND WHEN WILL THEY BE REMOVED.MAJORITY OF THEM REPORTING CHARGE OFF AS WELL AS BEING INCLUDED AS LATE PAYMENTS .WHICH ONE IS IT?
Product: Debt collection

They call repeatedly from different numbers. 
They bought old debt that is barred from collection and are trying to collect it.
Product: Debt collection

I received a Judgment letter for XXXX signed in Arkansas for medical Bill 's I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and Equifax explaining that the XXXX XXXX XXXX XXXX was a fraudulent account. I sent them an FTC report and a police report. 

All three credit bureaus have failed to uphold the law. The law is very clear and it states the furnisher must block a fraudulent account within 4 business days and notify all creditors
Product: Checking or savings account

I DISCOVER ON MY BANK STATEMENT, THAT THERE HAS BEEN A NUMBER OF WITHDRAWS THAT ADDED UP TO {$150.00} FROM MY DIRECT EXPRESS DEBIT CARD, FOR XXXX XXXX ACCOUNT THE WITHDRAWS STARTED BACK IN XXXX, I DID HAVE AN ACCOUNT AT THAT TIME FOR MY GRANDSON, THAT LIVE WITH ME, ONCE HE MOVED OUT XX/XX/XXXX XXXX HAS BEEN NO XXXX IN MY HOME, I HAVE CALL TO VERIFY THAT MY XXXX XXXX WAS CANCEL, I DO HAVE DOCUMENTATION FROM XXXX XXXX DEPARTMENT THAT THERE WAS NO ACCOUNT FOR A XXXX XXXX SUBSCRIPTION USING MY DEBIT CARD! I HAVE BEEN CALLING THIS DIRECT EXPRESS FRAUD SERVICES FOR TWO DAYS AROUND THE CLOCK, SITTING HOLDING ON FOR REPRESENTATIVE IN THE LEVEL 2 DEPARTMENT, NO ONE NEVER ANSWER THE PHONE THEN THE  OPERATOR SAIDS CALL BACK ANOTHER TIME!! I CALLED ON XX/XX/XXXX XXXX TO DISPUTE THESE CHARGES I DID FILL OUT THE DISPUTE FORM IN A TIMELY MANNER. I RETURN TO THE DIRECT EXPRESS FRAUD UNIT!!! ON XX/XX/XXXX I GOT A LETTER SAYING THAT I DID NOT REPORT THIS IN A TIMELY MANNER! WHICH IS NOT TRUE BECAUSE FROM XX/XX/XXXX UNTIL XXXX I HAVE BEEN SO SICK FIGHTING XXXX XXXX & XXXX AT THE SAME TIME! I WAS NOT ABLE TO TAKE CARE OF MY BILLS!!! DIRECT EXPRESS STOP SENDING MY STATEMENT BECAUSE THEY STARTED TO CHARGE A XXXX CENT FEE FOR MY STATEMENTS! I DO HAVE PROOF, THAT I CALL DIRECT EXPRESS IN XX/XX/XXXX WHEN I NOTICE THIS XXXX DATING ALL THE WAY BACK TO XXXX!!! THIS IS MY MONTHLY XXXX CHECK!!!! I DO -NOT OWN A XXXX! I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX LIVE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, XXXX, Transunion ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number XXXX.
Product: Mortgage

I had to short sale my home when my ex husband left me with an underwater house. I was promised that I would get XXXX by doing a short sale. The process took such a long time that I needed to move to another state to accept a job closer to my family because I was left with XXXX kids and no money. Wells Fargo said because I left the house before the process was finished I would not get the promised XXXX. I was depending on this money to start my new life. This happened in approx XXXX.
Product: Student loan

Applied for Income Based Repayment plan with Navient, for which I easily qualify ( household=1, Income= $ 12K ). Was only requesting IBR on new loans ( between 2014-2016 ) that I took out as a XXXX, independent student. 

Was initially told it would not be a problem, but was then denied. Was given an excuse about how they handle my loans internally within there payment processing system, but was told that they could change that and everything would work out no problem. 

Was denied again. Every time I called them, I was given a different excuse for why they could n't do it. Was eventually told reason for denial was because I also have one old ( 12 years ago ) XXXX loan that they are servicing. They told me that I would have to have my ex-wife approve the new repayment plan on my solo loans that were taken out 10 years after our divorce. 

After constant complaining ( they would never let me speak with a manager or supervisor ), a customer service person told me that I could get the IBR if I consolidated my loans. I was assured that this would work, since I would get the opportunity during consolidation to chose a repayment plan for just those loans being consolidated, Consolidation went through but they denied the IBR repayment plan again. But the IBR repayment plan application should have been applied only to the loans I was consolidating, for which I am qualified. No explanation given. 

At this point, I 'm convinced that Navient are just straight up liars. I really thought for a long time they were trying to help me, but there hands were tied. But in the end, they lied to me, and now I 've consolidated my loans at a higher interest rate and am still being denied the IBR plan for which I qualify.