23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX  of XXXX, I defaulted on my Federal Student loan. XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ) to collect my balance of {$13000.00}. I spoke to XXXX on XX/XX/XXXX where we agreed that I would enter into a federal rehabilitation payment program to repay my loan. He explained that I needed to email copies of my tax returns after I verbally told him what my income was for that year by reading the amount off my XXXX tax return. I further explained to him that I was making 3 other student loan repayments and would be able to pay $ XXXX  monthly. Also, I explained that I would be able to make a payment that night and he didn't take it because he wanted to get me enrolled in the rehabilitation program, which I was qualified for. He said, that $ XXXX  monthly would be around what my payment would be from learning what my gross annual salary for XXXX was. He assigned me the reference # XXXX and asked me to email my tax returns. Upon receiving my information, he would submit all the paperwork and send a confirmation via the United States mail. I emailed my income tax return as soon as I hung up with him. I received a confirmation via email that they received my documents. Please note that all conversations are recorded at their company and this one has me agreeing to enter into the rehabilitation repayment program on XX/XX/XXXX. Then on or about XX/XX/XXXX I receive a letter from XXXX XXXX XXXX with a new balance of {$16000.00}. I immediately called them & asked why? Mr. XXXX XXXX, supervisor, explained that the new balance was because of my lack to supply sufficient evidence of my taxes. Subsequently, I had no recourse with them, thus I contacted the New York State Attorney General, XXXX XXXX. I have the documents from their office which I would like to forward to your office. I have also contacted the Division of Finance in Missouri and XXXX XXXX is waiting for a response from XXXX.
Product: Credit reporting or other personal consumer reports

Hello so Im cleaning up my report from identity theft that was taken on me for years. So there is a vehicle loan on my credit report with Transunion and XXXX by XXXX XXXX  that is fraudulent and marked as repossessed says I owe a balance of $ XXXX, it was a scam and I sued for it and also had investigators involved on this and it was proven accurate with XXXX already and they removed it. I did the same with the other 2 bureaus but they didnt take any action. Or got back to me Only XXXX took action & responded, So now its inaccurate information on my report. 


Everything has to be 100 % accurate on my credit report. 

This ground for removal they also violated 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 Also the Credit bureaus took more than 30 days to complete my investigation EXCEPT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint today to inform TRANSUNION that I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION. I already filed my report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, TRANSUNION is required to follow up with the creditor or block any ITEMS listed on an id theft report. 
The following inquiries were not authorized and unknown to me that damages my file XXXX  Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXXXXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

For the credit account XXXX XXXX  , there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Product: Debt collection

I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion XXXX and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. transunion XXXX and XXXX are violating the fcra and all agencies are violating my right to privacy,.
Product: Credit card or prepaid card

At the beginning of XXXX, I received a promotional offer from PenFed for {$50.00} back if I spent either {$500.00} or {$1000.00} within the month ( both amounts were listed as 'required ' in their terms -- extremely unclear and poorly worded ). I emailed for clarification and got no response, an ongoing issue with PenFed 's customer 'service ' department as will be noted shortly. I contacted them again, given the time-sensitive nature of the offer, and was told that they would NOT honor the {$50.00} for {$500.00} offer and I would have to spend a full {$1000.00}. So I jumped through a number of hoops to move auto payments around to get that done, only to get another email over a week later ( again, this is a promotion that was only good for a month ) that oh, oops, they'd screwed up, they did have to honor the original offer for {$500.00}. At the same time, I got another offer ( snail mail ) for {$50.00} off {$1000.00}. I asked if they would honor both given that I'd received both. Again, no response. Again, I ask again. PenFed acknowledges that they are completley responsible for the mistake, sending multiple offers, the bad information I was given, the incredibly late correction given the time sensitivity of the issue, and yet they aren't going to do anything -- their customers are just going to have to absorb their mistake. I contact them again asking for a manager or supervisor to reconsider given how poorly this was handled. Again, no response. I FINALLY get someone on the phone on XX/XX/XXXX and per her given the amount of hassle and incredibly poor customer service on PenFed 's  part she would immediately have credited my account the missing money, but since this promotion was through a credit card it had to get approval. However, she would forward it directly to them and I would have my response in writing shortly. It's now XX/XX/XXXX ( OVER a month ) and PenFed 's  complete lack of customer service continues as I still have no response and no credit for the second promotion.
Product: Credit reporting or other personal consumer reports

Actually, since XX/XX/XXXX, The BANK OF AMERICA, has been sending letters to an XXXX XXXX, at my residential address " XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX '', whereas such XXXX XXXX does not live there & has never lived there. XXXX XXXX XXXX XXXX has been my personal residence since XXXX when the house was completely built by the then builder. 
The post office for XXXX XXXX XXXX XXXXXXXX when it was notified of the problem, has been consistently returning such letters to Bank of America, which nevertheless never stopped sending letters to XXXX XXXX at my home address. Subsequently, the postmaster recommended that I report the problem to The XXXX XXXX POLICE DEPARTMENT and as a result Case # XXXX was issued. 
Prior to reporting the matter to the police department, I wrote a letter to Bank of America om XX/XX/XXXX, to formally inform it that XXXX XXXX does not live at my place of residence and that it had to discontinue sending letters to XXXX XXXX using my home address. The Tracking Number for that letter is " XXXX '' & it is confirmed to have been delivered on XX/XX/XXXX. 
The postmaster ultimately stated that what was happening was " Mail Fraud, someone using my address to obtain financial documents '', and that the United Sates Postal Inspector also needed to be informed, & which I did inform it. 
I have to believe that The Bank of America is colluding with this XXXX XXXX to commit fraud since it never ceased to this day to stop corresponding with XXXX XXXX using my home address despite the multiple requests for it to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXXXXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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

I live in the state of Ohio and the limits for a item to be on your credit report is only 6 years
Product: Debt collection

Hello, After reading a Progressive Management System letter XX/XX/year>, stating that I was treated at XXXX XXXX XXXX XXXX, they did NOT provide evidence of my signatures or a copy of my photo ID with it. 

Unfortunately this letter doesnt prove anything, anyone can write a simple letter statement invoice describing what they believe are treatments, etc. 

Therefore I will like Progressive Management System to immediately please remove my name, my addresses, my phone number, my social security and your alleged debt collection accusations from my credit report immediately. 

SIncerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in dispute to the credit bureaus specifically for verification of the collection accounts. I asked for them to be removed from my reports and this did not happen. I called and asked for the specific information to be provided for how debt was validated, and I am not being provided with anything. I am asking the negative information to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I applied for credit with XXXX XXXX and the company requested my Transunion report. Transunion in return sent XXXX XXXX a credit score over 100 points lower than my actual score. It was embarrassing and disheartening to me. I reached out to Transunion abourt the reporting error and was unable to contact them by phone. There was no dispute description for my type of error on Transunion 's website. Something needs to be done about the egregious reporting by Transunion.
Product: Student loan

My payments have been applied incorrectly the past few months. I pay my loans bi-weekly, to the same account #, with instructions that over-payments should be applied to principal. My master account # with Navient encompasses both of my private student loans ( they have separate account # 's ). My bank bill pay sends the payment to my master account, and in the past, they split my payment across the private student loans. The last few payments they've ceased to do so, and only applied it to one account. How they decide which account its applied to is beyond me. I have to call 3-4 times, and speak to several supervisors for them to discover the error, and correct. Each time i call in, i'm told there was something else afoot that caused the errors. The next month comes, and I spend hours with them on the phone again. This happened on XX/XX/XXXX, XX/XX/XXXX and again on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXXXXXX XXXX falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from XXXX XXXX. 
XXXX contacted me back and fixed my report. Transunion and XXXX still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of XXXX XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.
Product: Credit card or prepaid card

On XX/XX/2018, my credit limit was decreased. The company, although they did send a letter after the fact, didnt inform me previously. I had a good standing with that account and did not have a late payment. My credit, in which they state it was due in part of, has done nothing but increased. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of {$500.00}, then decreased to {$360.00}. Now they decreased it to {$260.00}. There is no reason for this decrease. I have called and chatted in, and spoken to a supervisor. They would not get me to anybody higher up on the chain of command.
Product: Credit reporting or other personal consumer reports

To : Barclays Bank Delaware AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/2018 from Equifax credit report, two credit card accounts issued by XXXX XXXX XXXX, which I did not open nor authorize. One of them has a balance of {$9900.00} but Equifax credit report does not show the account number that I can track. I notified on XX/XX/XXXX to XXXX XXXX XXXX   Fraud Dept. that I am a victim of identity theft and asked for investigation. XXXX XXXX XXXX could not locate these two accounts using my correct full name, social security number, birth date, nor the address. XXXX XXXX XXXX told me I need to rely on Equifax for providing full details of fraud accounts to XXXX XXXX XXXX to resolve the issue. I have so far disputed this fraud accounts to Equifax, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this letter to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX  ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that at all so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Debt collection

In response to my first complaint (  XXXX  )  NCB Management sent   information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1. Ho w would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now.  XXXX  nor  NCB Management s ent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed t hen NCB sent n otification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Never received any information regarding this amount and the ability to dispute such. Furthermore, the creditor is unknown in its entirety and such is a fraudulent action in collecting. As of Wednesday, XX/XX/year>, the purchase agreement is being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX  put that person in my credit report file