23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have XXXX Federal Tax Liens that were published on my credit report. These liens were reported by Equifax and XXXX. These liens were paid and I submitted a request to the IRS to have these liens withdrawn. On XXXX XXXX, 2015, I received a letter from the IRS, which included Form XXXX ( Withdrawal of Notice of Federal Tax Lien ). Although I formally requested the IRS to notify the bureaus to remove the liens, I sent this letter to Equifax and XXXX on XXXX XXXX, 2015, to ensure they would be removed from my credit report. Equifax sent me a letter on XXXX XXXX, 2015, stating the tax liens were reported as released. XXXX sent me a letter on XXXX XXXX, 2015, stating they have deleted the tax lien from my credit report. The XXXX lien had already been deleted from my report. After reviewing my updated credit report through my credit monitoring company, I sent another letter to Equifax on XXXX XXXX, 2015. I included the letter from the IRS again, and requested the bureau to delete the Federal Tax Liens from my report. Equifax sent me a letter on XXXX XXXX, 2015, stating XXXX of the liens is currently reporting released and will remain on my report for 7 years, and the XXXX lien has been deleted from my report. I have included the letters from the bureaus, my last letter to Equifax dated XXXX XXXX, 2015, and the letter from the IRS with Form XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.
Product: Vehicle loan or lease

I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,
Product: Debt collection

Medical Data Systems, DBA Medical Revenue Service erroneously submitted to the Credit Bureau a debt that has no basis, validity nor any legal action, nor have I ever received a response from XXXX XXXX to any of my numerous correspondence regarding this disputed charge. I am enclosing the letter that I sent on XX/XX/XXXX upon receipt of their collection attempt on a bill that I disputed in XXXX with no response from XXXX XXXX. I disputed this bill and I have contacted XXXX XXXX  XXXX XXXX that is now XXXX on many occasions in writing regarding this issue. The first letter disputing this bill is dated XX/XX/XXXX well within the 30-day window of service date of XX/XX/XXXX copy enclosed. I have written many more letters that have gone unanswered. All of my letters are presumed true and accurate as no rebuttal was ever received and not in the 30 days prescribed by law. I further informed XXXX XXXX that they had billed XXXX XXXX XXXX. I have never had XXXX XXXX XXXX  XXXX, and in XXXX I had health insurance through XXXX which is XXXX XXXX of Arkansas. I informed them that it would seem that they had submitted the bill to XXXX XXXX XXXX and been paid as that was the information that I was provided before service that there would be no charge by 3 separate XXXX XXXX representatives as this was covered 100 % under my plan as preventive. It appears that they are trying to double bill and at the very least they have no clue what they are doing. Nevertheless, the point is now moot as they have never responded to any of my correspondence, and more than 3 years have elapsed. 

I need your assistance to investigate this as a violation of the Fair Credit Act as there is no grounds or basis nor was there any legal action. The mere fact that Medical Data Systems DBA Medical Revenue Service was informed in writing on XX/XX/XXXX that this debt was in dispute and not valid with proof provided that this debt was in dispute since XXXX and the dispute was within the time frame provided by law. Yet they disregarded this and without just cause reported as collection with the credit bureaus.
Product: Credit card

On XX/XX/XXXX, I purchased a Microsoft Surface Laptop. XXXX stated the package was delivered, but I never received it. XXXX tracking number is : XXXX. State it was signed by XXXX at XXXXXXXX XXXX  There is no person named XXXX at this residence. My last name is XXXX. There is also no proof of delivery ( Picture of the package in front of doorstep ). I can also provide camera footage of my doorstep that the package never arrived. The file is too big to attach but I can provide it via email if you wish. I spoke with a Microsoft agent numerous times online and over the chat. First, they started a case on this ( XXXX number XXXX ). It has been over XXXX weeks. I called XX/XX/year> and they escalated the case to a different number XXXX they stated they still have not called XXXX. 

The package was never received, every time I call Microsoft for support, they give me the run-around, and tell me to wait but there is no action taken.

Please help me resolve this issue, because I already paid the credit card company {$2200.00}. Microsoft is not taking any responsibility for a package I never received.
Product: Debt collection

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. )
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted PayPal/Sychrony bank about an unlawful credit pull/purchase. I have never signed up for a buy now, pay here service or mail a purchase through this account. I have spoken with both and would like to rectify this issue and fix the credit hard it has caused.
Product: Checking or savings account

I spoke with a Chase Customer Service Representative, he asked me the reason for my call. I explained to him my issue regarding the multiple overdraft fees that were placed on my account. He informed me that he would make request to waive the overdraft fees. However, he then stated that he was unable to do so due to a limit that they have set. Afterwards, he connected me to who he introduced me to as his supervisors. She didnt seem like she had my best interest at heart as the customer, she was also very adamant about this limit that was previously mentioned. When I asked several questions she refused to answer them and told me if there isnt anything else she could help me with then goodbye. I have banked with Chase for years and I noticed a pattern in how they place overdraft fees on my account. They stack up them up last minute, thus gouging me for as much funds as possible. This same practice is what lead to the Class Action Lawsuit in  2012. Im a XXXX XXXX XXXX that definitely needs the funds that work hard for and I dont believe costumers should be treated this way.
Product: Debt collection

XXXX XXXX XXXX has been reporting erroneously for years in multiple ways. 
Currently, after many letters, XXXX XXXX reports first major delinquency on XXXX as XXXX, XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all XXXX XXXX XXXX. 
The parent company is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early 80 's which was in good standing until the last year. An abuser in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXXXXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXXXX/XX/XXXXUniversity. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX University, I was able to file a XXXX XXXX claim with the XXXX. of XXXX against XXXX University, and myXX/XX/XXXX were XXXX and my credit repaired. 

My XXXX XXXX XXXX was also part of theXX/XX/XXXXXXXX settlement for which I am a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XX/XX/XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XX/XX/XXXXmonths or more during a " specific '' time frame, were excluded. Furthermore, Navient has been sued at least a half dozen times for other predatory loan practices and illegal collection practices. 

When attending XXXX University, I was aggressively pushed towards dealing only with Navient ( then XXXX XXXX ). I was told by XXXX University that they could only assist me in the process if I went with Navient, and that I was entirely on my own if I chose another lender. This is the sole reason that most of my private student loans are with Navient, who has proven to be fraudulent and predatory. 

I am also aware of a XX/XX/XXXX by which Navient is sending out applications to select students who may have filed XXXX XXXX claims against their schools and were approved. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Checking or savings account

My checking and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an Apple Card. I was declined as they stated I had a past due payment. I do not. I was told to contact XXXX which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX   then Goldman Sacs. Another 45 with XXXX. They sent me a credit report with no past due payment on it. Apple and Sacs said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.
Product: Money transfer, virtual currency, or money service

I use a company called EarnUp to take a biweekly draft from my checking account and once a month send the payment to my mortgage company. I am paid biweekly which means 26 paychecks per year. Twice a year EarnUp will deduct a third payment and send it as an extra principal payment. This is roughly {$1000.00} that is sent as an extra principal payment twice a year. The third deduction occurred in the month of XX/XX/XXXX. They deducted a payment of over {$1000.00} on XXXX, XX/XX/XXXX and XX/XX/XXXX. I checked my mortgage statement and discovered today, XX/XX/XXXX that EarnUp still has the extra principal payment of over {$1000.00}. I called the company and was told that they will not send it until XXXX 's payment. EarnUp is holding on to an extra {$1000.00} for 2 months when they can easily release the payment and send it to my mortgage company. I expressed this to the rep and was told they will not release it until the XXXX payment. I have a big problem with this business practice and feel that it is highly unethical to hold a customer 's money for this length of time. At the end of the day, it is costing me extra interest because they additional principal payment made on XX/XX/XXXX is held for all of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at my Experian report on XX/XX/2020 and the report dispute results show that the Bankruptcies were taken off. I log back on today, XX/XX/2020 only to see that the bankruptcies are put back on my credit report without no letter sent explaining why nor did experian send me a 5 day notice for reinsertion. Nor did experian respond to my letter regarding that I sent stating : Dear Credit Bureau ( Experian, XXXX or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

[ List account names and account numbers ] As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my police report and utility bill. I am requesting an investigation not a verification regarding these erroneous bankruptcies and the accounts in dispute that are up under the bankruptcies that do not belong to me. I am a Nevadian and have been for almost 10 years. Remove immediately! 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX PER FCRA LAWS : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY The FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and prove the credit reporting agency sent in the proper documentation validating the accounts. if you successfully disputed and had a delinquent account on your credit report removed, the credit reporting agency could only put the account back on your report if it received information from the company that the account was accurate and if it provided you with notice that the account was placed back on your report along with the documentation.
Product: Vehicle loan or lease

Due to the coronavirus lockdown in XXXX, Texas, I lost 100 % of my income as of XX/XX/2020 when my governor declared a state of emergency and my city/area went on lockdown. 

I contacted Capital One Auto Finance on XX/XX/XXXX and spoke to the customer service representative and told her the situation, and that I lost my income and would not be able to make payments until this was lifted. My two biggest concerns were delinquency reported on my credit report and repossession of my vehicle during this crisis. 

I stated that I would not be able to make a payment until the lockdown was lifted and I was able to make an income - and what was Capital One doing to help people through this without destroying their credit. At that time, it was not an option for self-employed people to receive unemployment nor receive the SBA small business loans - both of which were signed into law on XX/XX/XXXX, after I made this call. 

At this time, the customer service rep stated that my loan was not far enough into delinquency to take any additional action and that I was not currently eligible for my current payment to be moved to the end of my loan term ( added on payments ), that I would need to wait until the loan was past the 30-day delinquency and call again sometime after my next loan payment was due to see what was available at that time. I " may '' qualify for two payments to be added to the end of my loan agreement. 

Today I received a notification that Capital One reported a delinquency on my credit report as of XX/XX/XXXX! This will now remain on my credit report for 7 YEARS! And all due to the coronavirus lockdown. I am now on week five of brining in zero income and still awaiting unemployment and SBA small business disaster relief, like millions of other self-employed individuals. 

I was told on the XXXX when I called that Capital One based on what I was told, my understanding was that delinquencies would not be reported delinquencies nor would any repossessions initiated during the lockdown. 

On XX/XX/XXXX, I contacted Captila One again. I spoke with Agents XXXX, XXXX and then XXXX  with the office of the president. XXXX informed me that she would be escilating my case higher up to see what could be done about the report to my credit. She stated that it is the LAW, even during the coronavirus, to report deliquencies. 

Those of us who are self-employed - or have lost their income through this virus and lockdown - and are 30 days late on payments are being punished for the next seven years due to something completely out of our control! It is unconscionable that during such a crisis that we have to fight with lenders when literally millions of Americans are without an income for the foreseeable future.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX The bureau code information needs to be fixed quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.