23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX I am writing in response to a [ call/letter ] I received on [ date ] regarding an alleged debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of the debt you claim I owe. 

Please provide the following : The name and address of the original creditor. 

The amount of the alleged debt, including a breakdown of any interest, fees, or other charges. 

Documentation that shows I agreed to assume this debt. 

A copy of the judgment ( if applicable ). 

Verification that your agency is licensed to collect debts in my state. 

Until you provide this documentation, please cease all collection activities and do not report this debt to any credit reporting agencies. If you have already done so, please inform them that the debt is in dispute. 

This letter is not a refusal to pay but a request for validation. Be advised that any attempt to collect without providing proper validation is a violation of the FDCPA. 

Sincerely, XXXX XXXX
Product: Student loan

I am a full class member of the XXXXXXXX XXXX XXXXXXXX lawsuit, and have received a letter from Dept of Education verifying that my loans will be discharged and any applicable payments will be refunded. Per the Dept of Ed, my loans should remain in administrative forbearance until discharge, which is supposed to happen by XX/XX/year> at the latest. The loans were put back into repayment, and they show me as 3 payments due. I have uploaded the letter from the Dept of Ed to my account twice, to no avail. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed in the attached identity theft report and bellow are all fraudulent. 

Fraudulent Equifax Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting

XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?
Product: Debt collection

XXXX XXXX XXXX XXXX said I either purchased a Mobile Phone or had a outstanding bill in the amount of XXXX dollars. for the months of XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. 

Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX   services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.
Product: Credit reporting or other personal consumer reports

I am attempting to get my air fixed during the hot summer and needed to refinance my home in order to do so. However, a medical bill on my credit report is preventing me from doing this. It caused my request to be denied and now I do not have any heating or air. I have submitted a dispute with experion and contacted the 'collector ' about the claim. However, this should not be on my report. This has directly impacted my credit score and brought it down from somewhere in the XXXX to XXXX. Where other credit reports still have me listed at the XXXX... Please help with the Fair Credit Reporting Act XXXX
Product: Debt collection

I have an old account that went to collections for XXXX XXXX. The amount owed was {$1000.00} when it went into collections. When I received a call about this bill in XX/XX/2020, I was told that the bill was {$2100.00} ( which was never the amount owed ). 
Well because I am trying to increase my credit score I planned to pay all past due bills. The company assigned to the collection was XXXX XXXX XXXX XXXX. 
As I spoke with the rep, he explained to me that I could not negotiate a settlement or payment plan since they company is not licensed to collect in RI where I live. Please explain to me how this can not be disputed? I have disputed this numerous times but I am getting nowhere. The amount they are charging me is also wrong.
Product: Credit reporting

I asked Experian to stop sharing my report without my permission and they refused
Product: Debt collection

XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX paid my rent on the third Wednesday of the month. XXXX XXXX on the XXXX of the month I went online to pay the rent. The manager had block the account. She had filed eviction notice. The lease was ending XXXX/XXXX/XXXX. The court agreement was I pay {$1600.00}. Later the manager did not agree. The complex want me to pay rent for XXXX, XXXX and XXXX plus a breaking the lease fee of {$1700.00}. They also want me to pay {$660.00} for a window. The manager did fix the problem in XXXX. She got some one to soak the water up. It rain again in XXXX durning the XXXX holidays. It was raining hard, the frame came loose from the wall. The office was closed. I purchase some sealant and seal the windows. They want {$140.00} for cleaning the carpet, {$170.00} for removing some items, {$100.00} door, {$100.00} blind. None of this was mention in court. I found out in XXXX XXXX, when I received a collection letter. I could not solve the problem with the new manager. The previous manager had been fired. 
The is a pending lawsuit in State Court in XXXX, Ga. The apartment complex was served on XXXX/XXXX/XXXX. They have not respond.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX for {$36000.00} on XX/XX/XXXX and financed it through KIA Finance. This loan was paid as agreed in full on XX/XX/XXXX but NO title has been received and it is going on 6 months. We have contacted KIA Finance multiple times and still NO Title. Their records show that the loan was paid in full, a paper copy of the title is on file and multiple requests for it have been made. Still NO title.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a joint car loan with my Dad, since XXXX. My Dad is the BECU member, I am not. At the end of XXXX my Dad filed bankruptcy and since then the loan is now listed as Account Relationship Terminated and even though I am still making payments to the loan and they are being accepted, these payments are not being reported. We both went into a BECU office back in XX/XX/XXXX to see why my payments are not being reported to my credit history, and they said they would call us back with more information. They never called back and they still are not reporting that I am making payments. I dont understand why my father declaring bankruptcy has affected the loan in this way when I am the one making the payments on it. BECU has not been helpful in resolving this situation AT ALL. All I want is for them to give me credit for paying this loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX  XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Department XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

MY NAME IS XXXX XXXX. I AM NOT A 3RD PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THESE NEGATIVE ITEMS BE REMOVED FROM MY CONSUMER REPORT.

I recently discovered that a collection account had been added to my credit report that I have no knowledge of. SEQUIM ASSET SOLUTIONS has unlawfully reported fraudulent accounts that arose from identity theft. My identity has been stolen and. you are hereby put on notice. I am demanding these accounts be DELETED and BLOCKED form my credit profile pursuant to 15 U.S.C. 1681C-2. The Fair Credit reporting Act 15 USC 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies which are found in section 623 of the FCRA, 15 U.S.C. 1681s-2.

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition the furnisher must notify ALL credit reporting agencies that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
I have attached an FTC identity theft report and a Notice to furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern today 's date is XXXX/XXXX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XXXX XXXX 2021 that I do have an account with XXXX XXXXXXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX XXXX and transunion. Which again I did not apply for any new cards with XXXX XXXX
Product: Debt collection

I am sending this dispute letter on my behalf. Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE STUDENT LOANS ON MY CREDIT REPORT THAT HAVE BEEN IN A XXXX PAYMENT STATUS FOR OVER 10 YEARS. I HAVE NEVER BEEN LATE BECAUSE I HAVE NEVER HAD A PAYMENT DUE. THE ACCOUNT WAS SOLD TO AIDVANTAGE AND THEY REPORTED 24 LATES TO MY CREDIT OVER 8 STUDENT LOANS. THEY ARE ALSO NOT REPORTING MY 7 YEARS OF GOOD PAYMENT HISTORY TO THE CREDIT BUREAUS THEY ARE REPORTING LESS THAN HALF OF MY ON TIME PAYMENTS FOR THE 7 REQUIRED YEARS OF REPORTING. THESE 2 THINGS ARE HURTING MY CREDIT SCORE AND CAUSING ME TO PAY HIGHER INTEREST RATES ON CREDIT CARDS AND LOANS AND ALSO DISQUALIFYING ME FOR LOANS THAT I SHOULD BE QUALIFIED FOR. I SPOKE TO AN AGENT AND SHE AGREED THAT THEY ARE REPORTING INCOMPLETE INFORMATION BECAUSE THEY DID NOT RECIEVE IT FROM THE DEPARTMENT OF EDUCATION. SHE ALSO AGREED THAT SHE DID NOT SEE ANY LATE PAYMENT HISTORY NOR DID SHE SEE ANY PAYMENTS THAT I HAVE MADE ( BECAUSE I HAVE NEVER MADE ANY ). AID ADVANTAGE REPORTED TO MY CREDIT REPORT THAT I WAS LATE 2 TIMES THEN MADE A PAYMENT THEN WAS LATE AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT IS NOT MINE, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on {$14000.00} and a balance of XX/XX/2017.
Product: Debt collection

The company Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been reporting an alleged debt to my credit report. I do not know this company and have never done business with them, they could be anyone trying to get money out of me. I've never done business with them and they don't have a contract with my signature. 

I've asked them to please provide the following information within XXXX days and they have not done so : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Product: Checking or savings account

I am unable to log into my Suntrust account online. I get a message to call an XXXX number, which has a hold time of great than XXXX hours! I have tried calling them multiple times, multiple days, multiple times of days, I am unable to get thru to them. On every occasion, I get hung up on after being on hold for over an hour. I have reached to them on XXXX as well, no response. Meanwhile, I am unable to access my money!
Product: Debt collection

My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early 2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report.
Product: Debt collection

This is not verified. I contacted the bank and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!
Product: Checking or savings account

Hello, Bank of America has opened another checking account without my permission. I've spent countless hours on hold, driving to branches and getting tossed from one department to the next without any resolution. Due to inactivity on the fraudulent account Bank of America is trying to collect fees. Please advise, thanks.
Product: Credit reporting

Initially disputed an account, which came back verified. I believe the investigation is questionable.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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: Debt collection

Most of Banks I've settled with are reporting Discharged and not stating Settled or Paid off.