23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I write to you for the last and final time with an escalating fury concerning the fraudulent accounts polluting my credit report. It is inconceivable that your organization continues to drag its feet while my financial standing hangs in the balance. This is the last opportunity for TransUnion to display a modicum of competence and urgency in resolving this matter. 

I have been patient, but your blatant disregard for the severity of this situation is beyond infuriating. These fraudulent accounts are a stain on my credit history, and I demand, without any further delay, an aggressive and immediate response from TransUnion. 

XXXX XXXX FRAUD, PLEASE DELETED This is your final opportunity to rectify this matter. Any failure to comply will leave me with no choice but to unleash the full force of consumer protection agencies, legal representation, and social media to expose the gross negligence on the part of TransUnion. 

I demand written confirmation of the aggressive deletion of these fraudulent accounts within 10 days from the date of this letter. This is not negotiable, and failure to meet this deadline will be met with the harshest consequences at my disposal. Consider this letter your last chance to redeem the tarnished reputation of TransUnion in my eyes. I anticipate a swift and aggressive resolution to this matter.
Product: Debt collection

To whom it may concern, I am writing to inquire and determine if I have been treated unfairly. I signed up for XXXX XXXX  on or about XXXX XXXX and I was told that I had 30 days to cancel my service. Upon me cancelling around 2 weeks later, I was told that I only had 2 days to cancel. Which was crazy because they took money in advance, I called to see if I would receive my money back and I was told that I owed {$480.00}, for early cancelation. So, I pondered on this for a while and really didn't think that they were being fair. I got a letter from Allied Interstate LLC collection agency. I deputed the charges with XXXX and really didn't have the opportunity to explain exactly what happened because of the lack of space for the complaint. I received another letter from Allied and it said that I could pay {$380.00}, so that's what I did. I have paid in full. 
I am in total shock that this situation would get this far. 
I have always had great pride in keeping a great credit score and now it has been destroyed, I have paid the bill and can't afford for this to be on my credit for 7yrs. My XXXX score went from between XXXX and XXXX now it's at XXXX. I really need help to get my credit back to where it was. This is insane. Please help me.
Product: Debt collection

Portfolio recovery associates, inaccurately reporting to credit bureaus. I called and advised the debt was a result of identity theft. Filed identity theft report and contacted the credit bureaus. Portfolio recovery association is still reporting. Please remove the negative reporting from XXXX, XXXX, and XXXX immediately.
Product: Debt collection

I have already filed a complaint regarding FEDLOAN Servicing reporting my debt TO ALL 3 CREDIT BUREAUS as 180 days late when in fact it has NEVER been late, AND the account is closed. In response to my complaint, FEDLOAN changed the reporting status to the credit bureaus from 180 days late to 120 days late which is STILL ENTIRELY INACCURATE.
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. ACCOUNT Name : XXXX XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}. 
NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX  XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order. 
A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law. 
Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid. 
A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record. 
Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table. 
The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law. 
No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021. 
No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them. 
The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.
Product: Student loan

I have filled out all proper forms previously. X 2 I'm now getting calls w/no name given only # 's about garnishment. 
Ive been a XXXX XXXX  for XXXX yrs. Full time for XXXX of those years & grandfathered in as Full-part time for last XXXX yrs. 
Why have I not been offered the forgiveness & I must continue to fill out the same type forms. 
My tax refunds were kept in 2019 then later given in XXXX - XXXX as I had been paying the payment agreed upon. And fought w/IRS for the evidence of why refund was kept. The covid happened & now credit report states no paymens XXXX delinquent payments of 180 late payments. Savi agency has worked w/me repeatedly to also find that the agency will not anser the calls or return calls I've left with credit agency
Product: Debt collection

I was contacted by Genesis, a debt collection company based in XXXX, WA, regarding a debt originating from an apartment rental in Oregon. The original balance was {$6600.00}, and after my roommate made payments, the remaining balance was {$3800.00}. On XX/XX/year>, my roommate made a further payment of {$340.00}, reducing the balance to {$3400.00}. I have not made any payments toward this debt myself. 

I was unaware of any prior communication between Genesis and my former roommate regarding this debt. The first contact I had with Genesis was when they reached out to me directly. During multiple interactions with Genesis, their representatives displayed unprofessional behavior and refused to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ). On the phone, I requested written validation of the debt as required by law, but they repeatedly refused to provide any written documentation, which is a violation of my rights. Specifically : XXXX, the initial representative, verbally refused to provide written validation of the debt and attempted to intimidate me. 
XXXX XXXX, the manager, reiterated the same refusal and used high-pressure tactics, including XXXX  credit reporting if payment was not made by XXXX XXXX XXXX. 
Despite these unprofessional actions, I informed them that I would make the payment to prevent credit damage, but I was dissatisfied with their refusal to validate the debt or communicate respectfully.

I want to ensure that Genesis is held accountable for their refusal to validate the debt, as well as for their coercive tactics and verbal harassment. I am requesting a formal resolution, including written validation, cessation of unlawful practices, and penalties for their violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX CXXXX 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

I just ordered my credit report and wanted to make sure everything is reporting accurately. 
Can you please investigate my consumer report and ensure everything is 100 % correct. 

Experian Credit Reporting Company is holding me back and the two companies below work together because when I called them they laughed said good luck with my dispute, told me they are going to bleed my credit because they have friends that work at this Experian company, if you look at my full credit report, you will see Experian is the only credit company reporting this on my credit report for years and this is effecting my credit. Experian is the only company holding my credit score at a XXXX but I am in the XXXX + club with the other two companies do you see the big score cap? 

Also can you make sure the open date, date last active and account balance are correct? 
Because, I know you all are really busy. I have a list of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 131 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. 

I did not give any written instructions to the mention accounts above.
Product: Credit reporting or other personal consumer reports

Nelnet has not reporting my student loan balance. My student loans were cancelled recently, however, Nelnet has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. Nelnet did not report it since XX/XX/2023.
Product: Debt collection

The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.
Product: Debt collection

I made a settlement agreement with XXXX. I made all payments per the settlement agreement except for about the last seven when XXXX stopped depositing my payments. 

Per the letter I have attached, even though XXXX XXXX stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureau is reporting inaccurate information on SW CRDT SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

On XX/XX/2020, my Apple Credit Card  which is issued by Goldman Sachs was restricted by Goldman Sachs. My credit limit was  dropped to {$0.00} available and the credit card was frozen. I contacted customer service on 3 separate occasions and twice I spoke to a supervisor. These contacts took place on XX/XX/2020 at XXXX XXXX, XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX. Each time, I was informed that they are unable to provide me with any reasoning why my credit card account has been frozen by them, they are unable to provide me with a timeframe for how long my account with be frozen and whether or not it will be unfrozen. I have the right as a consumer to know the reason why my credit card account has been frozen.
Product: Vehicle loan or lease

Our truck was repossessed on XX/XX/XXXXXXXX XXXX We called Randolph Brooks Federal Credit Union that morning around XXXX when we noticed our vehicle was gone. We were given the information of the towing company XXXX XXXX that had the vehicle. We were not made aware that they would charge us {$50.00} dollars to retrieve our belongings. Randolph Brooks Federal Credit Union did send us a notice giving us 21 days to retrieve our belongings or the vehicle ( payment in full only ). The company XXXX XXXX said the fee to retrieve was {$50.00} dollars in the form of cash only on XX/XX/XXXX via phone call. My husband and I called Randolph Brooks on XX/XX/XXXX to notify them of the charge and that it was an unlawful practice, the representative responded that was the fee that the company charged. I feel this is unlawful on Randolph Brooks part if someone has gotten their vehicle repossessed there is financial hardship of some sort and to try to put the responsibility on the tow company is unjust. The tow company is aware of the law and that is why they are only accepting cash for the fee they are charging for consumers to retrieve their personal belongings. Randolph Brooks did not say that it was in the contract that our belongings became their property but said we would be able to retrieve our belongings knowing full well that this company would charge us a fee.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting accident claims for me that belong to my ex husband. The agent never split the household but i was asked to submit my driving record and the list of claims from XXXX  which clearly show that the claims do not belong to me. As a result it is reporting to all insurance companies that the accidents are mine
Product: Credit reporting or other personal consumer reports

I'm making a complaint due to unauthorized accounts and inquiries on my report which I don't.t recognized. This is against my consumer rights, and I feel taken advantage of and I'm requesting this information be taken care of immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I received a notification from my credit monitoring service the Citibank inserted an negative account in the amount of {$4200.00}, on my XXXX  credit report without any prior notification. 

I immediately reached out to Citibank for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe Citibank, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB Citibank intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and Citibank held accountable for the aggress act.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureau XXXX, Experiean, XXXX On XX/XX/2024 And they have not removed the information, different addresses are still on my report from Experiean, XXXX, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need XXXX  days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly XXXX more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final
Product: Credit reporting or other personal consumer reports

he CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Student loan

I have tried to work with Navient as my private loan lender for repayment of my college loans for years. I have been paying on them since graduation in XXXX. I have just struggled trying to live ( pay my rent for housing, food, car ) I have not had leftover money from all of my " needs to live '' payments and my additional school loans through federal. This past time I tried to get my loans lowered in XXXX of XXXX was my last straw. I had been paying only interest of XXXX a month which was doable, but it is not helping me in the long run because interest is still accruing on my 30,000+ private loan. I don't foresee a great increase in salary because of the salaried job I hold with a company that struggled to pay me an additional 1,000 per year. I'm currently grossing $ XXXX. I receieve an average of {$1000.00} per pay period every two weeks. I pay into two loans for school that add up to around {$270.00} per month. These companies are XXXX XXXX and XXXX, both federal loans and have tried working with me. Navient wants me to pay {$300.00} per month. That is how they proposed to help. When I last spoke with two ladies at Navient, one being a supervisor, they were unhelpful and suggested I get a second job to help pay their Navient loan! I am furious at this " help '' and have NOT wanted to work with them since. 
Now they have reported me 5 months late to credit reporting. I do not know what to do. They have tried to call but I'm so mad at their tactic to " help '' by suggesting I get a second job I do not want to do business with them, let alone give them anymore of my money. I have always had more than XXXXne job trying to pay my loans but recently I had to stop working a second job because of my health. 
How can you all help me?
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX I woke up to finding out my card was closed by Bank of America . 
I was told by an employee that it had to do with the state and that I had to get into contact with them. I finally manage to get in contact with my unemployment center a week later after countless calls everyday for a week. The person I spoke to at unemployment said that they did not close the account and case and point I am still able to collect. Bank of America has refused to re open my account as they insist its on the states part. They also refuse to give me my money back. Over 5,000 $ is in my account and because of this I was not able to pay my bills, my rent, etc.