23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.
Product: Credit reporting or other personal consumer reports

Possible Finance reported recent late payments when account was written off. I the consumer never received a XXXX for account as company status of write off suggest they did send one .I tried to have this account investigated and bureau refuse to do a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Product: Debt collection

I got a XXXX XXXX card in XXXX of XXXX. I started making payments in XX/XX/XXXX of XXXX once I was able to get into the website, I requested ebilling, however never received it or paper billing. I continued to make payments, not knowing if I was missing a portion or not. The few times I did pay more, were when I was able to get online/into the website. ( XXXX, XXXX ). Otherwise it was a guessing game, so i paid XXXX. 

All of my payments have been matched with a late fee, card security fee, interest. Any payments I made were zeroed out by these fees. Any payment I did make was 'posted ' a minimum of 2 days after the due date - hence the late fee, card security fee, interest. Those 'fees ' rotated and changed with the weather, I had to dive deep into the Synchrony website to even find this information- it is not easily accessible. 

The last time I talked to someone on their phone number was in XX/XX/XXXX. It was then I found out that the account was 'closed for non payment'.Up to that point, I was making payments - that posted to the account after the due date. Interesting, considering on my credit report as well as on their site - all my payments were marked as 'on time '. It is my understanding that if an account is closed, interest -card- late fess should not be adding up as well. In an effort to collect a debt, companies should not be making it harder. 

Im not trying to have this removed all together, but as this is a normal tactic for Synchrony bank/Care Credit, I need all those fees removed, a set payment amount, and a set due date that will not have them posting days later due to holiday, weekend, or whatever excuse they use to make it late. As of XXXX, I should be half thru paying this off - the total payments of XXXX as of XXXX should have me about half way thru this bill, not looking at an ever growing balance based on fees.
Product: Debt collection

I contacted Sunrise Credit Services to report a fraudulent credit charge/collection I noticed posted on my credit report. Sunrise Services gave me the company name and account numbers that originated this fraudulent charge that sent it into collections. I contacted this company called XXXX and gave them the account numbers Sunrise had supplied me with, and informed them that I did not make any purchases with their company. I was told I needed to send them a copy of my driver 's license and my social security number. I did not want to send this information to a company I am not familiar with and had given credit to another person using a different name and address but using my stolen SS #. Maybe this company was in on the identity theft/fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankrupt XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.
Product: Debt collection

In XXXX, 2022, a company called Phoenix Financial Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana XXXX, Phone number ( XXXX ) XXXX for reasons unknown, filed a derogatory credit on me, with the XXXX XXXX XXXX XXXX that I owe them {$380.00}, thereby lowering my credit score by XXXX points. 

Unfortunately, I don't know this company ; I have never heard of this company and I have never received any correspondence whatsoever, from this company. According to this company, the original creditor was a company called " APP Sugarland. '' Unfortunately, there is no company in XXXX, Texas Called " APP Sugarland. '' I believe, Phoenix Financial XXXX, located in XXXX, XXXX is a fraudulent company attempting to collect funds from innocent victims without their knowledge.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

This collection is from XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX. 
I had severe XXXX XXXX XXXX XXXX XXXX and was taken by ambulance to the XXXX 
Several medictions were administreed and after XXXX hours I was XXXX. This was in XXXX of 2021. XXXX XXXX, my insurance, paid over {$22000.00} ( I believe ) to XXXX. They came back with a remaining balance. A call to the collection agency was met with an argumentive and rude tone. When I rquested certain detailed invoice information, she refused and informed me I had to get that from the hopspital. XXXX charges for this service. I was also " seen '' by a total or XXXX docotrs, yet only XXXX was in the room and spoke to me. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX
Product: Debt collection

Getting harassed by XXXX different collection agencies over a soon to be ex wife 's and mother in law 's XXXX XXXX XXXX  phone bill. first time was disputed back in XXXX XXXX today XXXX I received a letter from Sequium Asst Solutions LLC over the same phone bill. on there letter states on XXXX they are looking for {$1500.00} for a back XXXX XXXX XXXX  bill from my soon to be ex wife and her mother. I called the company. all the person wanted was money and demanded me to pay it buy XXXX. Didn't care why or how the bill was in collects to begin with. All the person wanted to was to reduce the bill to {$1200.00}. i am still fighting to get this bill and others but I am waiting for the courts to sort everything out.
Product: Credit card

I am a Costco customer with City Visa card Which I used to purchase XXXX  bars of gold bars which Costco offered to executive card holds and I placed an order for XXXX bars but Citibank declined to pay as my credit limit is only XXXX. So I requested them to increase my credit limit to XXXX which they declined and I was told to wait 6 months. In the meantime the lady who was helping me at Costco suggested to use another card and she agreed to accept my XXXX card, All on a sudden the price of gold dropped and my request to adjust the price was declined by Costco. The reason I am writing this complaint is why Citibank declined to increase my credit when I have an excellent credit with no debt and an asset valuing over XXXX XXXX. The person I talked to is XXXX at Citibank who declined to give his last name and I lost a lot of time and an opportunity to invest in gold. I want you to take appropriate action so that another well respected person does not have to go through similar fate. Thank you and have nice holidays. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I have student loans on my report from DEPT OF EDUCATIONXXXX XXXX XXXX that shouldnt be posted without my permission. I have attached a copy of my letter from the US Department of Education showing the loan has been forgiven in full, so I should not be seeing anything on my report from them.
Product: Credit card

XX/XX/year> at XXXX I received a notification from Capital One via email stating that I had made a purchase at XXXX  in the amount of {$270.00}. 

XX/XX/year> at XXXX I called their customer support line to report fraudulent activity. At that time I was in my home office located XXXX miles away. I requested that my card immediately be deactivated and opened a fraud case. 

XX/XX/year> at XXXX I received a text message from Capital One informing me of suspicious activity on my card. 

XX/XX/year> at XXXX I called their customer support line and again reported fraudulent activity. 

In both cases I had the card in my possession and did not make or authorize these purchases. There are no other authorized users for this card and I was not physically at the location where the fraudulent activity occurred. 

XX/XX/year> I received XXXX digital documents from Capital One indicating they closed the fraud case and did not believe the activity at XXXX for {$270.00} was fraudulent. They provided no options to provide additional evidence or proof that I was not at the location and could not possibly have performed this transaction.
Product: Checking or savings account

my unemployment chack has been issued XX/XX/2023 robinhood says they have not received funds. my unemployment states they sent the funds to them
Product: Student loan

Mohela has all different charges, Why are they all different? I took XXXX courses at a time@XXXX for XXXX courses. XXXX course to make XXXX. Then I got a XXXX pell grant. That should be XXXX that I had left to pay. Since they say they are XXXX and they say ( charging late fees ) I have seen quite a few times the last few months. This late fee is usually done once a year at the end of the year. I would like to see where these charges came from, since XXXX was closed for taking student money. I was notified by another College that told me they were trying to contact anyone and cancel the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Product: Debt collection

For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.
Product: Credit reporting or other personal consumer reports

I haven't applied for no credit cards or loans and I have alot of hard inquiry I lost my social security card and id 4 years ago when I was homeless so who ever has my ss aND id are doing these pulls I wou them removed please so I can live my life
Product: Debt collection

JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. 

I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.
Product: Credit card or prepaid card

JPMorgan Chase issued the credit card. 
My daughter who is an authorized user set up the card to use as payment for XXXX transactions. She did not receive any notices about fees when she set it up. 
Later I noticed that the bank was charging a {$10.00} fee for each XXXX payment, some of which were only {$2.00}. All of the transactions were small, averaging {$10.00}. 
Although I always pay my card off monthly, the bank also charged interest of more than 29 % on the XXXX transactions. 
These fees totaled up to several XXXX dollars over a few months. 
When I realized that I was being charged a lot of fees called " transaction fee '' on my statements, I called and asked the bank to explain the fees. They said that XXXX payments are considered cash advances and subject to a minimum {$10.00} fee and interest. I never take cash advances because I know in general that the fees are high. I do not recall ever receiving a notice from the bank that XXXX payments were subject to cash advance fees. Moreover, the way the fees were characterized in the credit card statements was opaque if not outright deceptive. 
I asked the bank to waive the fees. They agreed to waive 1 fee of {$10.00} but not the remaining fees. 
These fees are egregious. The bank did not provide sufficient warning to the client before or after imposing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all XXXX  credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the XXXX Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.
Product: Mortgage

I have a mortgage with XXXX XXXX. I received a letter yesterday stating that my mortgage was being transferred to Truist Bank. 

I contacted Truist to keep information on how to setup an online account, how to ensure my payment is on time, etc. I was on hold and being transferred to various departments before being told that Truist cant answer any questions, cant accept payments or provide access to an online account until the XXXX. 

My mortgage payment is due on the XXXX. The letter I got states that any payment due on or after XXXX XX/XX/2022 needs to be made to Truist. However, Im also being advised that Truist wont be able to see my loan details or assist until closer to the XXXX of XXXX, after my payment is due. I dont want a late payment on any record ( internal to the bank or on my credit report ). 

This is a shady, unfair, business practice due to Truists inability to assist during this transition and is deceptive for consumers. 

My other concern is that I do not want marketed to by Truist Bank in any form. After reviewing online forums, it appears that Truist begins marketing to people whose mortgages they buy for products like checking, savings and credit cards. I have NO desire to have any relationship beyond this mortgage with Truist. I wouldnt even want the mortgage with them, if I had a choice. I expect Truist to never contact me about cross selling any products or services as I have no desire to do business with a shady financial institution. I do not intend to provide any additional source of income or business to Truist, outside of the mortgage. 

Please know that my primary concern is related to ensuring I can get a payment processed without any notation of late payment internally or with a credit bureau, and that my concern of being marketed to is secondary. My issue and concerns are not with XXXX XXXX, but with the behemoth financial institution known as Truist Bank. I hope someone can contact me to sort everything out. 


Thanks.
Product: Debt collection

Loan company is Santander Reporting on my credit each monthand would like it removed
Product: Credit card or prepaid card

To who this may concern, On XX/XX/XXXX I open a credit line in Iddeal Credit card to make a purchase of {$7300.00}. I felt the sales lady keep pressuring me to get something I can't afford, they keep telling me to apply for the Iddeal credit card. I was unsured I ask if I can return if he didn't like it, she said sure you can. I got approved sign and left. On XX/XX/XXXX I return to The XXXX XXXX XXXX to return it got a full refund for {$7300.00} then purchase {$1800.00} same day, leaving me to think they will refund {$5200.00} to the Iddeal account. I did a dispute to Iddeal in the beginning of XX/XX/XXXX but until today XX/XX/XXXX I have not received any answer I been making my monthly payment. I honestly can't afford to pay something I don't have in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 30days and i have'nt received any investigation results.