23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with a company called XXXX XXXX, collection agency, which is reporting a collection account on my Experian and other credit reports that has absolutely no balance and no debt whatsoever. I have personally called the company twice to get the so-called amount due but they do not have any information or even the account number. They are only stating that the original creditor, which is XXXX XXXX Hospital filed the complaint. When I called XXXX XXXX XXXX XXXX XXXX to get the exact amount I owed, to correct and dispute of the no balance no debt remark on my credit report, I was not assisted. 

I contacted Experian only two days ago to ask how a collection agency could report a no balance, no debt account negatively on my credit and have it continue to show up on my credit report ( s ) as an " collection account '' but Experian was told the same thing by  XXXX. Experian did try to remove this inaccurate " collection account '' but they did not succeed through XXXX XXXX XXXX XXXX This the account -- a no balance, no debt credit is from XX/XX/2017 is still inaccurate but it will remain on my credit report. I find that this goes against my rights and the Fair Credit Reporting laws.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX that Radius Global flagged my account for collections. 

I have an {$85.00} debt from this company on my report. I have never been written a letter informing me of this debt and the right to dispute. I do not know what this debt is for although it states XXXX. 

I am covered by the XXXX XXXX and was informed that there should be no collection of debt for consumers enrolled under the Affordable Care Act. My insurance information has been given to all healthcare providers that I see. 

I am demanding this attempt to collect a debt seize due to violation of my consumer rights to dispute a debt. This company failed to inform me of this debt before reporting to the credit bureaus.
Product: Credit card

I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.
Product: Credit reporting or other personal consumer reports

I obtained an XXXX account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that I do have some fraudulent activities on my report.Please remove these accounts as they are hurting my capability of obtaining good credit.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy back in XX/XX/XXXX and it was discharged in XX/XX/XXXX. In this banruptcy I had included a loan from chase home mortgage for a house which belongs to my brother legally on the title. I was never in the title only in the loan. Years later he defaulted again and chase home mortgage claimed that they never received documents from the court regarding my bankruptcy and they are coming after me and threatening to or a lien on my current home and my credit has been ruined again because they have not reported it properly to the credit bureau and have not taken the financial responsibility off my name in their system. My life is being affected yet again since even an employer checks your credit to offer you employment these days and I can't even get a credit card or buy a car, nothing because they have not reported this properly. Chase has taken me to court and asking for something like {$140000.00} or a lien on my property when I declared that debt in the banruptcy and it was discharged! I need these cleared up and my credit cleaned so I can have my life back! Never ever ever lend your credit to anyone and when you file bankruptcy make sure you sun your credit to ensure it is being reported properly. I have learned my lesson but fixing this is taking a long time and causing stress on my marriage and our family! Please help!
Product: Mortgage

This complaint does not fall under any category option. We attempted to payoff a mortgage and wired funds to Mr.Cooper on XX/XX/XXXX per payoff statement. Long story short, it is now XX/XX/XXXX and Mr. Cooper has still not applied the funds towards the mortgage, nor have they refunded the funds. They are insisting on collecting interest for XX/XX/XXXX - through the date they receive the payoff as now calculated, however, we can not send them that amount as they still have the money initially sent and have not returned the money. We have asked that they apply the funds to the account and advise of any shortage, but they have been unwilling to do so. If, as they say, the funds were short, they should have immediately returned the funds, or applied said funds towards the account. They have done neither.
Product: Credit reporting or other personal consumer reports

Complaint, QWR, DVR and demand for disclosures under TILA against XXXX [ controlled by XXXX XXXX ] and NewRez who owns XXXX XXXX XXXX XXXX XXXX fully owned by XXXX XXXX funds and since XXXX owned by XXXX XXXX XXXX  acting under name of New Residential. On XX/XX/XXXX XXXX Artificial Intelligence [ robots ] generated unsigned " response '' to my disputes where Artificial Intelligence insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for XXXX [ XXXX XXXX ] to use Artificial Intelligence [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of XXXX who can personally verify how exactly XXXX verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to XXXX response regarding my dispute with defunct faux " servicer '' [ not lender ] XXXX XXXX XXXX XXXX XXXX [ fully owned by XXXX XXXX XXXX XXXX ], " the compnay that reported the information has CERTIFIED to XXXX that they information is accurate. XXXX became NewRez in XX/XX/XXXX and obviously can not " verify '' anything to XXXX in XXXX. 
I demand to provide me the name of the Company who provided this Certification to XXXX, the copy of this certification as provided to XXXX, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to XXXX regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until XXXX provides me proof of verification from the companies and its individual employees who furnished it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

Credit Control Corporation Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/ ; XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

the company rent recovery solutions llc .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. rent recovery failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from rent recovery to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, Experian, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but Experian reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.
Product: Checking or savings account

I am unable to open type of banking account t with any bank due to having a fraud alert in my chase account back in 2012 I report to the chase that I was a victim of identity to the point I can not bank with anyone which is unacceptable and I need this removed immediately. I cant not move forward with my life and manage my funds if I can not open an account
Product: Credit reporting or other personal consumer reports

JP Morgan Chase bank charged off my credit card ( account number XXXX ) in the amount of {$6000.00}, but never provided the 1099C. In addition, JP Morgan Chase bank already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Vehicle loan or lease

My interest rate is to high its XXXX XXXX I need to lower my interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is in reference to a private student loan that I cosigned for my son. I went to XXXXXXXX XXXX ( the company that services the loan is called XXXX XXXX ). 

at the time I asked for the payments to be automatically taken from my XXXX  checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have 4 separate loans ) this was in XXXX of 2022 I received a phone call from XXXX XXXX  collections telling me that 1 of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to 1 loan an no payment to 1 loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on XXXX behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and Experian that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by XXXX
Product: Vehicle loan or lease

Well, I had a car that I got from a loan company name credit acceptance and I have already paid them full in balance. I did a basically a on short pay like half the amount of XXXX I had gap insurance and it covered the other half my insurance company and theyre saying that the person that documents that the car has been paid in full its still showing on my record and its been more than seven years and I really need that taken off my credit because its affecting me getting other things in the future and Ive also talked to them that I already paid his car and hes already taken off and I no longer have the vehicle because the vehicle have mechanical issues so they claimed it as total loss and long is satisfied. Its settled already.
Product: Vehicle loan or lease

In XXXX I purchased a vehicle with a loan through Flagship Credit Acceptance. I made my payments on time each month until XXXX of XXXX, even though the car started experiencing major mechanical issues in XXXX of XXXX. After the car finally broke down, I contacted Flagship to let them know that I would no longer be able to make payments the account, and requested a voluntary repossession of the vehicle, as I had to have the vehicle towed to an auto repair shop and needed to purchase a different vehicle to get back and forth to work. I made several attempts to mail the paperwork requesting the voluntary repossession to Flagship, but never received a response, and when I would call to ask they continually said they did not receive my paperwork. On XX/XX/XXXX both Flagship Credit and I were notified by the New York DMV that the lien in question was claimed by XXXX XXXX and XXXX under Section 184 of the Lien Law of the State of New York due to the tow never being paid for. I was told by the tow truck driver not to worry about paying for the tow as it would be charged to Flagship when they repossessed the vehicle, which never happened. I have received no attempts to contact me since this date. I recently contacted Flagship Credit Acceptance requesting paperwork saying that the issues was resolved since the statute of limitations for auto loan debt in the State of New York has passed, but XXXX informed that no such paperwork would be given unless I created a payment plan to pay back 50 % of the remaining balance of the loan with a lump sum payment, or 65 % of the loan through a 48 month payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for Equifax credit report and Monitoring services, paid XXXX for the first month, complained to the company that I could not see my credit report, score but they escalated the problem to the higher-ups and it never got fixed. On XX/XX/XXXX I recived a conformation case # XXXX that the problem will be fixed in 10 day, I'll be receiving a call from a supervisor let me know that the issue has been corrected and I can log into my credit report but that never happened and to this day I still can't log into my Equifax credit report and see my credit report and credit score. On XX/XX/XXXX and received a another confirmation number of XXXX XXXX XXXX XXXX XXXX XXXX - XXXX and I was told that I would hear back from somebody and Equifax in 3 days and that still haven't happened and I still have not been able to view my credit report and credit score. So here I am today filing a formal complaint against Equifax because they still have not made my credit report and credit score available.
Product: Credit reporting or other personal consumer reports

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

604 15 USC 1681B 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VIITIM OF AN IDENTITY THEFT, THE XXXX XXXX ACCOUNT ON MY EXPERIAN CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM XXXX XXXX. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,
Product: Student loan

There is a feature on Navient 's website that allows you to pay loans together by type. When the loan is over paid, it spreads the over payment among all of the loans in that group evenly. However, not all of the loans have the same interest rates. This is deceptive and even predatory in nature because I may wish for the extra payment to go towards paying down the principle of the loan with the higher interest rate instead of the XXXX at 1 %. The company did n't use to have this on their website and I feel that they are engineering the site to extract even more cash out of their customers.