23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the company to XX/XX/2025 and told them that I was never notified that this debt exists and that this debt was never verified or validated. I ask them to provide me with proof of how I was contacted to inform me of this debut and they refused.
Product: Debt collection

these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/2019 i checked my credit report and my score went down 112 points due to fraudulent accounts being hosted on my credit profile that where previously deleted. i sent in proper documentation my police report and also my affidavit the credit bureau and the credit card company received the information but still continue to host the accounts on my report. I understand that the credit bureau is supposed to post 100 % accurate information on your credit profile but they continue to post these accounts anyway.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

I opened a non-targeted Citi Bank checking and saving account combo on XX/XX/2018 because they have an ongoing promotion of {$400.00} to new customers who deposit more than {$15000.00} in new money. I deposited {$1500.00} on XX/XX/2018 and {$15000.00} on XX/XX/2018. I maintained at least {$15000.00} throughout the time with Citibank in order to get the promotion. Citibank has tendency of deceit and bait and switch on these marketing tactics. I have chatted with the customer service representatives many times on the bonus, and all of them informed me that I would get the {$400.00} by XX/XX/2018. You can see the attached screenshot. However, when I contacted Citibank on XX/XX/2018, they said that I did not qualify for the promotion, despite the fact that this is still an ongoing promotion on their website : https : //banking.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found items that I have no knowledge of. There are inquiries listed in my report that I believe were a result of Identity theft. I have attached a written letter of my complaints including the list of inquiries that I need to remove from my credit file
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed on my freedom mortgage account my payment history is incorrect i have never been late on payments. I have tried to rectify this before but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX . this company is shown up on my report with out consent. I have sent a letter on XX/XX/2017 requesting that inquire to be remove from my Equifax . this company is listed as a Miscellaneous Reptg agencies with no number address to be able to request proof of signature  that authorization was given to pull report
Product: Credit card or prepaid card

This complaint is regarding my Capital One credit card, which I opened in XX/XX/2015. Since opening, I have my all on-time payments and have used my credit sensibly by keeping my charges low and paying in full each month. Though I have had the credit card for years, I have not had a credit line increase. I have since opened other credit cards to use of larger purchases if needed because I always keep my credit utilization <8-10 % of my total credit available. As such, I have a great credit score, which I also monitor very closely. 

On XX/XX/XXXX, CapitalOne sent a letter to me a letter with the following information : " Recently, during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. We have kept your credit limit significantly above your highest balance over the last 2 years to ensure you can continue to use your card as you have been, while providing flexibility for future spending. '' At {$5000.00}, this credit limit is XXXX {$15000.00} less than my other credit cards and I will not use more than {$500.00} in order to stay below my credit utilization goal. This renders the card useless. Not only that, but taking {$10000.00} off of my total credit available to my name decreased my credit score by several points. As these often fluctuate, this maybe isn't the biggest deal to some, but I can not accept the fact that I am being a judicious steward of my credit and bascially get audited for review and re-allocation of my credit which I have earned. Since I find this wholly unacceptable, I reached out to Capital One on two occasions and spoke with individuals of three different tiers. The representative of the last tier said that there was no one above him I could talk to, even though that is obviously not true since I doubt he owns the company. There are probably several more people to talk to but he would not allow me the courtesey -- and my right as a consumer -- to do so. It is evident that Capital One will not solve this on their own. I am also going to write out a formal complaint and send it to them, but I have zero faith that they will respond appropriately or reasonably.
Product: Student loan

I am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.
Product: Checking or savings account

My bank  First Midwest  takes too long to update my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of  documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, Experian, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2019 my mortgage was transferred from XXXX to Mr Coopers. I made my XXXX mortgage payment to XXXX and they cashed my check and funds deposited in XXXX XXXX. When the mortgage was transferred my XXXX payment was supposed to have transferred. I waited till XX/XX/2019 to check my account at Mr Coopers and I found that my XXXX payment was not posted to my account. I called XXXX on XX/XX/XXXX and could not get past the customer service operator. The best that she could tell me was the loan and everything that went with the loan was transferred to Mr Coopers XXXX XX/XX/XXXX. I called Mr. Coopers on XX/XX/XXXX and again could not get past the customer service operator and all she could tell me was I owed {$620.00}. For 25 days of calling both company 's I finally Got a person to give me some direction on what to do. She told me she started a missing payment complaint. I told her I had Canceled checks of my payments as proof my mortgage payments were made. She told me to send copies and gave me the address. I sent copies to the address certified mail and they were delivered to that address on XX/XX/2019. As of today XX/XX/2019 I have not heard from Mr Coopers nor has my problem been fixed. I did Make another payment on XX/XX/2019 on bill pay to keep from getting a bad credit report. As of this date XX/XX/XXXX I show I should be paid up till Through XXXX next payment due in XXXX. Mr Cooper has me as being paid through XXXX next payment due in XXXX.
Product: Debt collection

I incurred medical costs out of pocket of {$1300.00} to XXXX hospital XXXX of XXXX VA for XXXX XX/XX/XXXX. I paid without missing about {$100.00} per month and the balance was down to {$260.00} by XX/XX/XXXX when monthly billing by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. suddenly stopped coming. I had to fight to get subsequent monthly billings with the return envelop since XX/XX/XXXX. Now the bill is down to {$65.00} and XXXX has forwarded this debt to United Consumers , Inc. ( UCI ). 

I explained to a rep at UCI identifying himself as " XXXX '' that I simply need a final billing statement with the {$65.00} outstanding balance and I can send them the money and close this debt but UCI over the past 2 months have been promising to send this but have not. I suspect that they 're trying to obtain attorney and collection penalties from me some time soon when I have not been negligent and have been trying to close this debt if only they will stop playing games and send me the final bill and return envelop immediately. 

This is all I ask so that they ca n't scam me with anything down the line in terms of late penalties, interest, or attorney fees on this {$65.00} debt. There 's also been some misrepresentations on the origins of this bill and the amount which I wo n't bother going into. But I will say that there 's been some finger pointing and blaming at each other when I 've contacted XXXX hospital, the initial claimant, XXXX and UCI. The account number in question is for Acct. # XXXX for XXXX and XXXX and # XXXX for UCI. 

Thanks
Product: Credit reporting or other personal consumer reports

The following credit card account and hard inquiries currently listed on my Trans Union, XXXX and XXXX credit report is not my credit card account or hard inquiries : XXXX XXXX XXXX, {$100.00}, XXXX XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

XXXXXXXX XXXX Account # XXXX with a balance of {$360000.00} is reporting to XXXX Transunion and XXXX XXXX reporting agencies as XXXX  days late in XXXX of XXXX. It is also reporting as paid on time for the months of XXXX XXXX of XXXX This would mean it would be impossible for me to have paid on time in XXXX and XXXX of XXXX and was late on the same account XXXX  days! The Fair Credit Reporting Act states all information must be accurate! On XX/XX/XXXX I requested a bank statement showing I paid this account late and this request was rejected by XXXX XXXX Representative. The burden of proof to prove a consumer was late paying on an account is on the the Credit Reporting Agencies and the data Furnisher! See XXXX XXXX Trans Union XXXX ( XXXX ) United States XXXX XXXX XXXX XXXX XXXX No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Synergetic Communication has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, 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 a 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 card

I was charged on my Citibank card {$480.00} on XX/XX/year> for an unauthorized charge at XXXX grocery. I reported the charge on XX/XX/year> and they said it should be resolved in a few weeks. I received a letter in the mail in XXXX saying they were investigating the issue. I received no calls or letters after that. I did see a note in my statement in XX/XX/year> that the charge was considered valid. I did not receive a letter, email, nor phone call about this. I called in XXXX asking for an explanation of why they said it was valid. They said they would investigate and get back to me. I received no phone calls, emails, or letters about it. I called in XXXX with the same non-result. I called in XXXX and was told it would be reversed within 72 hours. That date was XX/XX/year>. The money was not reversed. I called again on XX/XX/year> and now they say the money was already reversed back. I asked for the person to show me when and where it was reversed. He kept repeating himself and not able to resolve the issue. I sent a letter on XX/XX/XXXX outlining my issues and asking for an explanation. They just sent me an email on XX/XX/year> saying they were again investigating the issue.
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX XXXX I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Product: Student loan

Their response to my issues of poor communication have proven exactly why this company can not be trusted with student loans. They have responded repeatedly with half thought out responses not even addressed to me appropriately that haven't even addressed the issue at hand. They also include lies about their previous responses and handling of situations. This company has been unable to respond to complaints repeatedly over and over and over again and in addition are lying in their responses in formal letters. It is this incompetence and dishonesty that makes this company a poor excuse for a loan servicer. They can not even handle a simple task of taking accountability and addressing simple issues. I need this case to be escalated further and I want the CEO to contact me directly so that the issues at hand can be resolved. Obviously the rest of their staff are unable to take on menial tasks.
Product: Credit reporting or other personal consumer reports

This is a list of companies reporting to my consumer report without my permission and Im requesting to get them deleted asap! 

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 SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>