23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent notice to XXXX to inform that I have become a victim of identity and the fraudulent account from XXXX XXXX XXXX XXXX being reported must be removed. On or about XX/XX/XXXX I received notice from XXXX that the fraudulent account from XXXX XXXX XXXX XXXX has been removed from my XXXX consumer report. On XX/XX/XXXX I received notice from XXXX XXXX XXXX XXXX  confirming the fraudulent account has been removed, blocked and wouldn't be subject to further collection actions. On or XX/XX/XXXX I received a collections notice from VANZ , LLC and their intent to pursue further collection actions for the fraudulent account from XXXXXXXX XXXX XXXX XXXX that has already been verified as the result of identity theft. I sent a Cease and Desist notice to VANZ , LLC on XX/XX/XXXX to once again inform them that I am a victim of identity theft and do not owe a debt for the fraudulent account. While the fraudulent account appeared on my consumer report I suffered injuries; such as denial of credit, adverse actions, harassment, discrimination, discouragement and Defamation of Character. Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, VANZ , LLC is in violation by not responding to my notice of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XXXX XXXX, XXXX I received an email from my Experian dispute stating the account I had previously disputed was updated. I contacted Experian, they told me that the creditor responded to their electronic request saying that they did n't have supporting documentation for the account, but the account would remain on my report. I asked the representative if there was no supporting documentation why would they allow it to stay on my report. He then stated the company requested I contact them myself and not through the credit bureau. On a call previous into the same department within minutes apart I asked for the method of verification and the female representative disconnected the call. The account was unverifiable but yet they allowed it to stay on my report. Experian did not really investigate this account they just sent over an electronic request of information regarding the account. I think it is very unlawful to falsely investigate an account and using the time within the 30 days to only send a electronic question for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( XXXX ) this the DEPT OF ED/ AIDVANTAGE and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a call with Equifax in order to call to Freeze my credit due to me being a potential victim of Identity fraud. They had told me that they never had a record of credit history with me, and when I tried to make an account with them online, I was unable to as the " information '' I had put to register for an account ( SSN, DOB, Name, Address ) was wrong. I had called them and they told me to Fax my information to them, but I went digging and checked on my annualcredit history and saw that Equifax had put the wrong address for me, meaning that I never had " credit history '' with them because to them, I never existed. I had disputed on XX/XX/XXXX this and the dispute went successfully but I still do not have an accurate reading of my credit history and it even says that the information currently on their website they can't access/is temporarily disabled. I had called them again on XX/XX/XXXX and XX/XX/XXXX but they did not have anyone pick up or left me in queue for a really long time before ending the call. XXXX and XXXX have an accurate credit history with me but Equifax refuses and continues to refuse to give me an accurate Credit history which in turns affects me taking out loans or even getting a card ( They even declined me in some instances ), Equifax is utterly incompetent and I request my credit history to show an accurate credit as I have had my XXXX card since XXXX.
Product: Student loan

I was making payments on my private student loan with Chase which i was paying the monthly total every month and my income changed where i was not working anymore and i called them to see if they could lower my payments or help me with my financial hardship and they told me NO there 's nothing can do about. They also where being switched to XXXX and i received a letter in XXXX saying that my account was being switch to another lender on at the end of XXXX and i was trying to make payments online but my account was nowhere to be found so I called and they told me that i neede to contact XXXX and when i called them they said they did not have an account for me at all so i called back to chase they said the reason they could not find my account is becuase it was sent to collections. I was paying what i could every month and they still sent me account into default for non-payment. If you see that i am sending a payment every month, even though it not the whole amount, why would they send my account to default if I 'm making a small payment. My payments are about $ 96- {$98.00} a month and i was sending {$100.00} ( a little extra ) and then i could n't make the payments so i started sending {$25.00}, {$30.00} or {$50.00} a month. THEY HAVE NO SYMPATHY FOR PEOPLE WITH FINANCIAL HARDSHIP AND DO N'T WANT TO HELP NO ONE. All they are worried about is getting their money but if was them they would want help too with financial hardship. If anybody ask about Chase, i would tell them do n't get a student loan from them because they will not work with you during financial hardship and i wish i never dealt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found TransUnion listed 2 hard inquiries ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ). XXXX listed 1 ( XXXX on XX/XX/XXXX ). On or about XX/XX/XXXX, I called TransUnion, XXXX, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted XXXX  who said they never received anything from XXXX and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX again. XXXX stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted XXXX  again to see if they received the letter from XXXX ... XXXX  stated that they had not. I asked how I could submit the letter of proof that XXXX sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( XXXX  ) explaining their determination. I called XXXX again, and they said there is no such number to call, and all they can do is submit the letter again to XXXX. As a side note, I was " disconnected '' from XXXX  3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted TransUnion again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!
Product: Credit card

On XX/XX/XXXX wrote complaint to c/s of Comenity XXXX XXXX XXXX XXXX regarding my Reward Bal {$68.00} shown on billing stat. for total charges overseas {$4900.00} as I was promised by Comenity c/s rep at first contact to apply the reward to my bill so I can apply it to my payment due as : XXXX XXXX XXXX XXXX {$4900.00} which I did pay that in full. To my astonishment I got news as I still owed them {$68.00} after a month and was informed that Comenity had barred me to use the reward due to account was closed as of XX/XX/XXXX without my knowledge meanwhile I was still able to charge my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX as I was traveling overseas. Dont you think this is so utterly ridiculous as their excuse to not letting me use my reward dues to me. My complaint to Comenity was not answered till I call today XX/XX/XXXX & was told I still owed them {$70.00} now. Please help me straighten out these crooked bank and have them pay me back the {$70.00} as this is a scam from this crooked bank to cheated people out of their money. 
Your attention to this matter is very much appreciated! 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Debt collection

A request was made by me to terminate my lease at Pleasure Bay Apartments, XXXX XXXX NJ prior to the end of the year term due to a job change in another state for a move out date of XXXX XXXX XXXX. The original year lease was until XXXX XXXX XXXX. A week prior to moving out I visited, in person, the XXXX XXXX Office on XXXX XXXX. An employee of XXXX informed me that there are other tenants that are scheduled to move in XXXX XXXX so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from XXXX XXXX regarding the situation of incoming tenants even though the request was made in XXXX XXXX. I then started to make arrangements to move out and move into an apartment in Connecticut under the impression that if the information I was told changed in any way, I would be notified of the changes. No update was received. The move out date of XXXX XXXX came, and I moved out. A month later, I received a bill which included final charges related to wear and tear from 4 years living there as well as a charge for one month rent. I then called Pleasure Bay Apartments about the charges and disputed the month rent charge. They informed me that the incoming tenants never moved in and that I was liable for XX/XX/XXXX. This is the first time I was informed of a change in the verbal agreement that I received on XXXX XXXX XXXX. During the call, I disputed the charge with a woman from XXXX XXXX. An agreement was never met and this is the last contact from Pleasure Bay until a call from a collection agency on XXXX XXXX XXXX If I had be told of the incoming tenants moving out I would have cancelled my arrangements and continued to stay at Pleasure Bay until a tenant was found. Instead I was never contacted and as a result I have been charged for the apartment for XX/XX/XXXX when I never used it. They were aware of me moving out because they never contacted me after to reschedule another move out date and took it upon themselves to move me out next month and send me the bill then. All the paperwork, including the bill received, the person I communicated with at XXXX XXXX, the statements that were made by her, as well as any paperwork related to living at XXXX XXXX, and the collection agency letter are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** XXXX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE XXXX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

2014 I applied for the mortgage assistance program and filled out paperwork about 5 times over a span of a year or more. They accepted it the first time, took my first payment but wouldn't take my second payment and told me to fill out paperwork repeatedly the same paperwork 5 times, each time with the hope of saving my home. Each time a new representative stating they could help me. I was a single parent, XXXX children, just got divorced, my job lowered my pay, I was in hardship. My ex husband was in jail and not helping with the payments for the house to keep our children 's home. I tried getting renters in to show proof of more income and had them sign paperwork. Overall, Wells Fargo foreclosed on me. I now get a piece of paper saying oops we made a mistake here 's XXXX??
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries appearing on my credit report, and I have no idea why. I routinely checked my credit report, and to my surprise, there were discrepancies that had never been there before. I even tried refreshing my browser to see if it was a temporary glitch, but nothing changedthe inquiries were still there. I am incredibly frustrated by this issue and urge you to review the documents Ive submitted thoroughly so I can put this matter behind me for good.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit card

My Citi credit card was used at a XXXX XXXX for {$1000.00}. That was almost XXXX  months ago. I have talked to the fraud department at Citi more times than I can count and they ask me the same questions every time and say they are still investigating. I decided finally to call the hotel and the lady I talked to said she sent the fraud paperwork in herself in XXXX but would send it in again. She said the card was ran 5 times before it went through. ( I always kept my card locked because I didnt use it often but had used it during that time to purchase some XXXX XXXX  from a college kid that came to my house to do a presentation ). She also said she has his signature on file where he signed. I blame the hotel really for even accepting a card with someone elses name on it and Citi is not doing anything about this and is now putting late charges on my account. I have since closed the XXXX cards I had with them because I do not trust that they protect their customers from fraud.
Product: Debt collection

In XXXX, after I canceled XXXX XXXX I was sent a bill for XXXX. According to my records I had paid everything and had a XXXX  balance. I called XXXX and disputed the charge, at that time I used my records of my previous bills to dispute the charge. The man I talked to couldn't tell me where the charge was coming from so he said he would rectify the situation. Shortly after I got a call from a Collections Agency and notified them that the situation was corrected and they needed to talk to XXXX. Even after telling the agency this they still tried to get me to pay, but as far as I was tracking after talking to XXXX I didn't owe that charge anymore. I never heard anything about the charge or received any bill after that, until it showed up on my Credit Report. I called XXXX XXXX for further information. The lady I talked to notified me that the reason I wasn't tracking the charge is because it was from a different account back in XXXX that they transferred into the account that I was canceling in XXXX. They did this without my knowledge or without any notification, furthermore the guy I talked to the first time from XXXX had no clue where the XXXX charge was coming from. I Paid the full charge to XXXX and the apologized for the miscommunication. The delinquent dept I feel is wrongfully posted on my credit report because when I was told from XXXX the the charge was settled the first time I never received any notification from XXXX notifying me it was reinstated.
Product: Money transfer, virtual currency, or money service

When trying to invest a different stocks in Cash app, it seems like my money never add up as it should have and then all of a sudden Im missing a couple cents here and there
Product: Credit reporting or other personal consumer reports

You, Equifax is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT