23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Developed XXXX XXXX in XXXX. Went to see XXXX XXXX XXXX, XXXX  who referred me to XXXX XXXX on XX/XX/XXXX. I met with XXXX XXXX XXXX, XXXX   on XX/XX/XXXX. At this time an appointment for XXXX was scheduled for XX/XX/XXXX. There was plenty of time to get pre-authorization and give me heads up. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to mention that I was sent home the very next day after XXXX XXXX. They XXXX me home the XX/XX/XXXX. XXXX had my insurance information since the referral. I was billed for visits and paid copayments prior to XXXX. I didn't receive a letter from XXXX until XXXX XXXX, XXXX informing me that I had an outstanding bill of {$32000.00}. Then later I was informed of a bill of over {$8000.00}. I was not informed prior to XXXX that my insurance would not cover the cost of the XXXX. XXXX forwarded my to Bull City Financial Solutions , Inc . I have been sending {$30.00} a month since I was informed for both accounts. I can only give this about at this time. I explained this to Bull City Financials also let them know I am in a payment plan with XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} a month. That does not include the other medical bills being paid to XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that I was not informed that I would have to pay this amount of money prior to my XXXX so that I could make other arrangement prior to XXXX and possibly put the XXXX off until another time. I have compiled numerous documents regarding this situation. Is there any way I could receive any help with this situation? Thanks in advance for all your help and consideration. 

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

XXXX {$380.00} i was told, I didn't receive anything from this XXXX XXXX. Out of the blue I was getting calls saying that I owe a company I denied owning this company but the XXXX XXXX said that I do, I ask them to send me something showing that but still haven't received anything. I said if you call me again i will take action but I received more calls. I told them to not call me anymore until I received something in the mail, again that hasn't been done. I didn't receive any notice about this debt, they repeatedly call. I saved a few voice-mail from them after I have told them to stop calling. I even told them that I dispute that claim and was told I need to send it to them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two incidents on my insurance company report increasing my rates. The first is for a comprehensive claim on XX/XX/XXXX. I never filed a claim or even had an incident to report or claim during that time period. ( I did address this with XXXX and they sent me to Lexus Nexus for both my issues - and they do not get you to a real person. the automated hangs up once I try my name ) the second is for XX/XX/XXXX. at the time we had XXXX XXXX. I came out of XXXX XXXX  to find a hole in the back of my XXXX XXXX. I called the insurance company about it and they suggested I have an adjuster come out so I did. They said if it was hit and run not my issue. the adjuster came out and said it was around {$800.00} damage and that I would have to pay the {$1000.00} deductible to fix it. I refused the claim. But was confused by his findings since the damage was done by someone else. 
both these incidents are causing a huge increase in my insurance. I have not made any claims in the last 5+ years with either of these insurance companies. ( We only switched because XXXX doubled my policy amount ) XXXX told me I could dispute both of these but can not get a live person at Lexus nexus. Can you please help. our policies are always paid on time, and up to date and consecutive. We have no claims. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- XXXX  and Meridian Financial Services . Both of which have ruined my credit rating. Meridian Financial Services is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with Meridian Financial,  nor XXXX for that matter. I have requested the original contract to be sent showing that I never gave authorization to Meridian nor XXXX to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a matter of grave concern regarding my credit report. Upon careful examination, I have discovered unauthorized inquiries listed on my report, indicating potential identity theft. 

As a responsible individual, I regularly monitor my credit activity to ensure its accuracy and integrity. However, the presence of these unauthorized inquiries has raised significant alarm and distress for me. It is evident that my personal information may have been compromised, leading to these fraudulent inquiries.

I take this matter very seriously and am deeply troubled by the implications it may have on my financial well-being. Identity theft is a severe violation of privacy and trust, and I am committed to taking all necessary steps to rectify this situation and protect my personal information from further misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for Transunion and XXXX has not changed and they are continuing to violate my rights as a consumer.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, Transunion, and XXXX to reinvestigate this account. Account name : XXXX XXXX, XX/XX/2023, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB Team, I hope this message finds you well. I seek your assistance regarding an issue I've encountered on my credit report related to debt collectors LVNV Funding LLC, and National Recovery. I have gotten multiple phone calls from both collection agencies with foul language and threats even when I told them to not call me. I have sent them multiple letters asking them for a debt validation letter and a contract with my signature to prove to me that the debts that they are calling me about are my debt. They told me that they would not send me that which is grounds for removal. I have gotten multiple emails from LVNV Funding LLC none stop phone calls. 

They are listed as closed accounts, Open accounts, and Collection accounts which is ridiculous. I am tired of the constant phone calls threatening me that I will never get a car, house, or any loans as long as they are around. 
Thank you very much for your attention and assistance regarding this matter. 

Sincerely, XXXX
Product: Debt collection

XXXX, Harris & Harris-collects for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reply STOP to stop This text has been sent to me twice. Most recently, XXXX XXXX and also about 2 weeks earlier. I have not clicked on any links nor have I called the company. I know this is a scam because I never traveled the XXXX XXXX, ever. There was no car license plate or home address provided, and I never received a bill in the mail from the XXXX XXXX or this " debt collector ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The following account was charged off as of ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX bank
Product: Debt collection

XX/XX/2018 keynote consulting claims I owe {$1500.00}, I never heard of company or did any business with them, no contract or signed documents from company
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within XXXX days.
Product: Mortgage

In summary, this company, Roundpont, lied to me and told me that my escrow would be put at the end of the loan when we entered into the forbearance during the Pandemic, in XXXX of XXXX. We found out nine months later that we were lied to and our payments were being raised almost {$400.00} or more due to the escrow. 

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

The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voicemail on XX/XX/2020 from IQ Data International for collection on an outstanding debt. I promptly returned the call and I was told it was a debt of {$98.00} from XXXX XXXX XXXX XXXX   After some back and forth with the the debt collector, XXXX XXXX, I was connected with XXXX, a manager. I requested written proof of the debt and was denied. He claimed that I had already acknowledged the debt, which is false, and that payment needed to be made immediately. XXXX used threatening tactics and, unprompted, began to read through a list of my personal information which I assume had been provided by XXXX XXXX. Feeling threatened, I hung up and called back to XXXX 's direct line. 

XXXX put me in contact with XXXX XXXX during the second call. I again requested written proof to be sent to my current address. She denied that request and told me that had until the next day to pay the debt or it be sent to the credit agencies. I was told by XXXX XXXX that a collection letter had already been sent to my address on file, and that the company had therefore fulfilled their obligation to provide written proof. When I asked for her to provide the address that they had on file, she provided the address of the apartment that I had moved out of at XXXX XXXX. When I told her that was an invalid address and that I had provided XXXX XXXX  with the correct forwarding address upon move-out ( part of my official move-out paperwork at the end of my lease ) she accused me of not correctly providing the information to XXXX XXXX management. When I offered to provide my current address so that the collection company could send me the written proof of the debt, XXXX XXXX refused to take the information, again stating that they had already fulfilled their obligation. I never acknowledged the debt was mine but XXXX XXXX told me that just the fact I was continuing to have this conversation was acknowledgement in itself then threatened to mark me as " refusal to pay '' and send my info to credit agencies. 

Additionally, during the first call, without asking him to, XXXX XXXX read out aloud my social security number in an attempt to prove that he was a legitimate debt collector. When I still insisted upon receiving written proof of the debt, he said that the fact that he had my social security number should be sufficient proof, and that he had enough of my personal information that he could " open a credit card in [ my ] name and do a lot worse than {$98.00} ''.
Product: Credit reporting or other personal consumer reports

EQUIFAX is inaccurately reporting a student loan account with a balance that was closed by the XXXX XXXX XXXX XXXX last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Capital One is showing that my auto loan is delinquent when I have payment proof that I 've sent them but to no avail & this is being reported to all XXXX Bureaus but specifically XXXX as I 've written them a letter as well as called them but again to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY XXXX  CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX XXXX ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX - OPENED XX/XX/2019 - BALANCE {$1400.00}