23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX  for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.
Product: Debt collection

I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.
Product: Vehicle loan or lease

This communication will serve as our Notice of Right to Cancel dated XXXX XX/XX/2022. TILA ( Truth in Lending Act, 15 USC 1601 et seq ; 15 U.S. Code 1635 - Right of rescission as to certain transactions ; 12 CFR Part 226 ; 12 CFR 1026.23 Right of rescission reg. z ) allows three ( 3 ) years to review Disclosure Documents. Full disclosure was not given. Please see attached documentation for full and complete Notice of right to cancel. These notices have been sent via USPS XXXX XX/XX/2022 certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called 4 times to have a fraud alert removed as well as the consumer statement. The fraud alert has been removed. However, the consumer statement is still there. I keep being told that it's been removed. But it has not. It's only been modified. Statement currently says " Do Not Combine ''.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and Equifax asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

11. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date : XX/XX/year> Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Urgent Dispute Request : Unauthorized Hard Inquiries Dear Experian, I am writing to formally dispute several unauthorized hard inquiries on my credit report. These inquiries were not initiated or authorized by me, and I request their immediate removal to prevent further harm to my credit profile. 

Below are the details of the disputed inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXXXXXX of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my knowledge or consent, constituting fraudulent activity. I kindly request that you investigate this matter and remove these inquiries from my credit report within 24 hours of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity them. I filed a report with Identity Theft. Gov. I submitted all documentation to Equifax, XXXX and XXXX. XXXX and XXXX corrected my credit reports immediately. I was a victim of the Equifax breach. I have sent documentation, the Identity Theft report and letter from that site. Equifax still refuses to remove the accounts off my report. This has been going on with Equifax for the past 2 years. There are 5 accounts on the Equifax report that should be removed. I received an email that the investigation is complete but there is no change to my credit report. I was also a victim of a disaster declared area. I have trying to find adequate housing for me and my son but Equifax is making it impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report from TransUnion. Re : file number XXXX. My credit report still shows a utility bill with XXXX XXXX XXXX XXXX XXXX. Account number XXXX, in the amount of {$420.00}. I paid that balance off on XX/XX/2018. 

I have a new utility bill at XXXX XXXX XXXX, XXXX XXXX. XXXX TN XXXX. I moved into this apartment XX/XX/2018. I sent TransUnion a copy of my new utility bill. None of those telephone numbers belong to me. My phone number is ( XXXX ) XXXX-XXXX. I have never lived where ( XXXX ) XXXX-XXXX is located.
Product: Credit reporting or other personal consumer reports

Equifax damaged my credit by lowering it XXXX points for switching to a black XXXX XXXX and cancelling the green one. This is a critical upgrade and the state that since one dropped off the see it as a credit default and lowered my score. According to FCRA guidelines I did nothing not credit worthy to deserve a huge damage to my score. No late payment-just a better card, same vendor. Equifax customer service stated when a credit card drops off, they deem it as a derogatory and comply as such. I still have XXXX, only a better product. Absolutely no reason to the damage XXXX points has caused. Interest rate has changed because of their actions.
Product: Credit reporting

As part of our divorce settlement, my ex wife agreed to take full responsibility of a vehicle loan. The car was always in her possession. My ex wife decided to make partial payments and non payments after our separation. I tried to explain the situation with the reporting agencies.
Product: Debt collection

The collections accounts listed below are from medical bills and most are too old to still be on my credit report. The accounts continue to be sold to new collection agencies and I have never been contacted in writing or by phone about the accounts and some were paid off through XXXX last year after I contacted the original creditors and updated my insurance information. I'm being charged interest fees that's negatively impacting my credit score. Progressive Management is the most egregious and they are demanding money from hospital services I received in XXXX. All of these creditors refuse to work with me unless I provide my social security to their representatives over the phone even though the amounts have been paid by insurance or are from services too old to still be on my credit reports. I was laughed at and told to contact an attorney when I explained the service dates. I'm sure they're doing the same thing to other consumers and they shouldn't be allowed to run an unethical and dishonest company, nor can they be trusted with anyone 's personal information. Please help me get these negative reports off my credit and let me know if I need to contact an attorney. 


PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX  {$340.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$740.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX  {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$550.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$130.00} Balance updated XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX {$830.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$260.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC on XX/XX/2020 shows that my credit report had to many inquiries along with a multitude of other things in my credit score that just aren't true. The list includes : Unacceptable account history. 
Unacceptable credit history. 
Insufficient credit references. 
Limited credit experience. 
Number of recent inquiries. 
They also ran my credit without my permission but that is another case that's pending.
Product: Debt collection

To whom it may concern : I received a response in regards to a close complaint to which it has no resolved or satisfied me in any way since Commonwealth was at fault and not licensed. 

To who it may concern in regards to accounts : I have opened a file to issue a complaint with the Florida office of Financial Regulations on XX/XX/XXXX at XXXX XXXX and sent in proof in regards to same day verification of license for Commonwealth Financial Systems and it was indeed inactive. I was told by them to send a complaint over to CFPB to which was done on XX/XX/XXXX at XXXX XXXX and Commonwealth was not active until XX/XX/XXXX. This false information was posted to all three of my Credit Reports since XX/XX/XXXX and from the date it was placed on collection from Commonwealth back on XX/XX/XXXX to XX/XX/XXXX Commonwealth was not ACTIVE with a valid license and per law it states for a collection agency to place a collection or retrieve payment they need to be license in the stated of Florida that has failed. The satisfaction of having the accounts temporarily deleted from my credit reports does not give me a satisfaction if COMMONWEALTH was not licensed in the state of Florida till XX/XX/XXXX. I will submit a complaint to the Federal trade commission as well as XXXX XXXX XXXX. I hope this address Commonwealth wrong doing in taking advantage of people with no license in the state of Florida. I have been submitting a paper trail file to all three complaints submitted with all dates and times of submission and responses. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Product: Credit reporting or other personal consumer reports

I am formally requesting XXXX to block an inaccurate, invalid, and fraudulent bankruptcy public record from displaying on my credit report. This bankruptcy was not initiated by me ; it is a consequence of identity theft. I urge XXXX to eliminate this false bankruptcy entry promptly. 

XXXX has stated that I have not provided sufficient identification to proceed with the bankruptcy dispute. However, I have sent copies of my identification and the FTC identity theft report to XXXX via USPS certified mail multiple times in recent months. I am attaching the necessary identification documents to this message, along with additional evidence, to prevent any further complications. 

In the past, XXXX asserted that the bankruptcy had been verified as accurate, despite my repeated explanations that it is a result of identity theft and not filed by me. Despite providing substantial documentation and evidence to support my claim, XXXX has failed to remove this inaccurate and fraudulent bankruptcy record from my credit report. 

XXXX claims to verify records using Lexis Nexis as a source, but my credit report with Lexis Nexis has been frozen, thus preventing any information from being shared with XXXX. This clearly indicates that XXXX 's verification process with Lexis Nexis is flawed. I urge XXXX to promptly rectify this error and remove the fraudulent bankruptcy record from my credit report.
Product: Mortgage

This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint. 

The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of  processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.
Product: Credit card or prepaid card

I've had a Kohls charge account for over 15 years, I have not used the card in about 2 years but log on weekly to check my account, I tried to log on last week and could not access my account, I called Kohls customer service multiple times and multiple emails and they have no record of me ever having an account with them. The CS reps seem to think that my account was closed due to inactivity, which I understand, but I have tried to ask for a confirmation of my account being closed and a current balance ( which should be {$0.00} ) but they can not provide me with either. As a consumer I feel I have the right to be notified when any account of mine is closed and they should furnish me with the ending balance of my account for my records. Is it very strange they have no record of my account after 15 years and with identity theft very common I am concerned. I just got off the phone once again with a Kohls rep and once again no record of my account, at this point I just want to close this account, but I should receive documentation of the account closing and any balance due
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an outstanding debt on my XXXX  XXXX report that has been paid. It is from TD Bank. I have documentation from TD Bank that the outstanding debt has been paid.
Product: Checking or savings account

A credit card from several years ago for a company no longer in existence was charged off. Bank of America deducted {$2800.00} from my account today which leaves me unable to pay rent. When I called them they said they were sorry and there was nothing they could do about it. I asked if I can set up a payment arrangement and they said yes and that if I did, that would make it so they don't take all but {$100.00} from my account. I asked If I did that, would they reverse the charges and set up the payment arrangement they said no because the deduction is still " pending '' and there was no payment arrangement in place. I told the representative I was not told to set up a payment arrangement nor that if I did that it would stop the payments from taking all my money and leaving me with only {$100.00}. As far as I'm concerned, Bank of America committed fraud and has now put me in a position of becoming homeless as a result of their inability to communicate my ability to make payments and instead withdrew all the money in my account leaving me with {$100.00} and no rent money.
Product: Student loan

I am keeping a log of both my monthly payments as well as additional payments I make in between monthly payments. Interest is 6.830 % accruing daily, which I am factoring in and logging each time I make a payment. My monthly payment is {$370.00}. I pay an average of $ XXXX/month. Each month, the balance increases rather than reduces. For example since XXXX, Edfinancial shows my balance {$400.00} more then my ledger of payments. The difference is not the interest because I am calculating the interest daily and including that amount, daily, as noted above. ( How can I be paying {$100.00} MORE per month than my established monthly payment, yet have an increasing balance? If I was not keeping a detailed, personal, daily log of this, I would not have noticed it. But the numbers do not add up and each time I have called, the representatives I have spoken to also could not explain the reasoning in how the money was being applied. They were only able to offer to send me, by snail mail, a copy of the list of all the payments I have made. This does nothing to address the discrepant amounts/balances after the payments have been made. So I have no recourse if the amounts are wrong (?? ) I do not know where their balance number is coming from. It doesnt add up correctly. I want them to explain how the more I pay, the higher my balance gets.
Product: Credit card

I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.
Product: Student loan

My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.