23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
Product: Debt collection

XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Student loan

I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to bills due on XX/XX/XXXX. I was told XXXX x by the Customer Service Reps that I do not have a bill due when clearly I am receiving the bills in my email box. It is also reflected on their Aidvantage website that it is due by XX/XX/XXXX. I was told my student loans by Student Aid.gov and Dept of Education that my loan is still processing discharge with the Sweet vs Cardona case which Dept of Education has missed the original deadline of XX/XX/XXXX by a court order and was informed they are still processing the discharges and have received an extension by the courts to complete by XX/XX/XXXX. It is ridiculous that I am still being charged compounded interest for this case and should not receive any bills whatsoever. 

I am still unable to buy a house due to this situation and I am almost XXXX XXXX XXXX and can't retire with this looming over my head. I am also due refunds for the interest charges as well as half of the student loan that was my ex husbands loan which I unfortunately had to consolidate in XXXX because he defaulted. This interest needs to stop while the final discharges are still in processing status on Dept of Education and XXXX XXXX. I have also been notified that pink slips will be served soon with my current employer for layoffs. My schools defrauded me and this needs to be resolved once and for all.
Product: Credit reporting or other personal consumer reports

I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was XXXX XXXX percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. 
Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX Important dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit reporting

I have sent dispute request 3 times to both XXXX XXXX and Transunion and have not received any verification/investigation or any information other than random computer print outs. After 3 requests each and receiving a simple statement of " validated your account '' I still do not have any actual documentation that this account belongs to me. Both Transunion and XXXX need to delete the account listed on my credit report XXXX. They have both had more than 90 days to get me information. I am attaching a copy of the 3rd request I sent to both Transunion & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by XXXX, Transunion. I discovered 42 Errors on Each report. Which indicates that XXXX broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have  suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters XXXX  via Certified US Mail, inquiring about the loans reported to my TransUnion. They responded XX/XX/2019 Informing me that they have made any mistakes and that if I wanted further investigation I would have to provide more details. XX/XX/2019 I Received two letters from XXXX. One stating they were investigating the validity of my loan and sent me a copy of a promissory I wrote Transunion and XX/XX/XXXX but certified Us Mail With Retuned Receipts note with out my signature. The second letter once again said that have made no error on my report. This debt has been consolidated and should be only now reported by Dep of ed/XX/XX/XXXX XX/XX/XXXX. This account is 4 years past the 7 year mark. I have suffered great damages and injury due to their willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute
Product: Mortgage

I have problems with both Bank of America 's Mortgage and Banking over this.

1. Banking-I am adding extra money to may payments to pay down principal. In XX/XX/XXXX I asked Bank of America to increase my automatic payment and they did so by making multiple payments to the Mortgage. Maybe, the Mortgage reporting is the screwiest part of this. It may come back to needing a Banking transfer fix. The B of A checking is my son 's account. I am an authorized signer on his account. I do not personally bank with B of A but my son does so this is how he pays rent for the pool house studio. 
2. Mortgage. Look at this statement. My XX/XX/XXXX payment is categorized as the XX/XX/XXXX payment. What? On XX/XX/XXXX I spoke to customer service. I was told that there had been an error in this reporting and that 15 payments of additional principal, {$1500.00} was " found '' and would be applied to principal. I think that happened, but its hard to tell with how wacko this reporting is. 
3. New letter, dated XX/XX/XXXX says my new payment is {$86.00} from {$100.00}. Since when? Retroactive til when?
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Product: Credit card or prepaid card

I opened a secured credit card through Citibank in the amount of {$1000.00} in XX/XX/XXXX. Paid on time every month. I made my last payment in XX/XX/XXXX. In XX/XX/XXXX I called Citibank to have my account closed there was a balance of {$910.00} owed at the time, they informed me my account would be closed and that my collateral holding would be placed on the account and if there is any amount after my balance was paid by my collateral holdings it would be mailed to me. I asked to have that in writing and mailed to me in which I received. Now they have reported to my credit report a charge off balance in the amount of {$280.00} on XX/XX/XXXX. On my credit report it shows there was payments being made after XX/XX/XXXX all the way until XX/XX/XXXX. Ive never made those payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, Republic Finance, has violated my rights under section 15 USC 1681 Section 602, I have the right to privacy. 15 USC 1681 Section 604A section 2 also state a consumer reporting agency can not furnish an account without my written instructions. 15 USC Section 1666B states a creditor may not treat a payment under an open consumer account as late for any purpose.
Product: Credit card

On XXXX XXXX XXXX, I ordered a pair of diamond earrings and charged it to my Macy 's store card for {$750.00}. I received the package on XX/XX/XXXX and the box was empty. I immediately called their customer service. They canceled my existing card and reissued me a new one, due to fraud. In addition, they sent out a replacement pair of earrings. I have a XXXX XXXX XXXXXXXX transaction payment to Macy 's of {$750.00} dated XX/XX/year>, paying for the earrings I received. I filed a police report with our XXXX XXXX XXXX. Their determination for the empty package was Macy 's whether intentional or accidental. I have repeatedly disputed this with Macy 's each month, to no avail. They consistently deny my case even though I've presented the documents to prove I have indeed paid for what I did receive. I have not had a blemish on my credit report until now. At XXXX XXXX XXXX I think that's quite an accomplishment and I was a platinum member with Macy 's if that says anything. Now I'm charged 34 % interest on each month the account is past due. I would like my account cleared of all charges.
Product: Debt collection

on XXXX XXXX, I received a notification that a negative item was reported on my credit report. The collection company placed an {$84.00} debit for collection representing XXXX XXXX. This debit was discharged in a Chapter XXXX BK in XX/XX/2020. I contacted this company and they told me that they would not remove it as it is a new debit even as they purchased it from the original creditor that was discharged. I have provided the documentation showing the discharge and the original creditor. They said they would review. Contacted them on XX/XX/XXXX to get the status and was told that they are not sure what happened and are not sure if they can remove it. Even as the BK Attny and Trustee sent over documentation proving the debt is not valid.
Product: Checking or savings account

There are about 4 checking accounts that where closed over the past 4-5 years due to overdraft! I made agreement with the banks for a payment that is owed, I would need a removal off XXXX XXXX an credit report! And the did not honor that! Banks : XXXX XXXX XXXX, citizens bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/ and XXXX Inquiry Date XX/XX/
Product: Debt collection

Dear Sir/Madam : Several false and fraudulent instruments have been filed on my property : XXXX XXXX XXXX XXXX, XXXX, California in violation of the law at, inter alia, 18 US Code 471, 472 and 473 and Cal. Penal Code 115 ( a ) and ( b ) by some people. 
In accordance to the Federal Emergency Act of 1933 -- HJR 192, Public Law 73-10, i : tendered a payment for the alleged debt, XXXX XXXX XXXX XXXX XXXX and its Co Parties, Agent ( s ) Principle ( s ) neither returned my payment, nor refused nor rejected it, therefore pursuant to UCC Sections 3603 and 3307 which are the same as California Commercial Code Sections 3-603 AND 3-307, the alleged debt is discharged. This fact [ i.e. my offer of tender and XXXX and its Co Parties Agent ( s ) Principle ( s ) refusal to accept, or deny, or reject and return of my offer of tender ] have been filed in California Secretary of State signed and executed under penalty of perjury. However, XXXX XXXX XXXX XXXX XXXX and all of its co parties agent ( s ) principle ( s ) are refusing to send my discharge papers to me while they continue to harass, intimidate, stalk and demonize me, see attached Exhibit A, which include : 1 ) true and correct copies of my filings in California Secretary of State for breach of contract, and 2 ) true and correct copies of my filings for my TILA rescission at 15 USC 1635 ( i ) 2 and at 3 ) 15 USC 16351in XXXX XXXX County Recorder.5 in XXXX XXXX County Recorder. 
i : am, therefore, reaching out to CFPB to assist in clearing the title to my home in my favor, as a matter of law, Id. 
i : look forward to hearing back from CFPB very soon. 
All rights reserve waive none By : ____________________________________ XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that wer tied to a fraudulent bankruptcy removed as well as these items were a result of ID theft. I waited 3 hours to speak with a supervisor and was told that these 3 remaining accounts would not be removed : XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. In accordance with FCRA 605B theese items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a postcard from your branch addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which stated an initial one-year fraud alert was added. As far as I believe, your company must be extended into 7 years. And your branch asked me how long I wanted to be extended and I remember I answered until XXXX. I sent already necessary documents several times. I even sent the copies of my XXXX passport twice. I believe they have arrived at your office. If not, there might be some fraud activity of the United States Postal Service. Please check with USPS regarding them. 
Besides, I received another credit report from company based in Arizona state. And this report has all my banking information, such as credit and saving accounts. I am not sure why the report of your company does not have the information. Arizona might have some its own regulation to include these banking accounts information in the credit reports of identity theft victims. I request your company will give me the explanation why your company does not have the information in my report.
Product: Credit reporting or other personal consumer reports

Several SCRA Federal acts have been violated. The time of having the card I was on a contractual assignment with the XXXX XXXX. PFCU is reporting incorrect information to third party credit bureaus damaging my financial reputation.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Thank you for reviewing my complaint. 
Complaint against : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/XXXX, I sent an email to XXXX XXXX, the apartment XXXX at XXXX XXXX XXXX to inquire about options for my daughter XXXX XXXX XXXX to break her lease. XXXX informed me that the fee to terminate the lease was 2 months of rent ( {$2700.00} ) along with a 45-day notice. 
On XX/XX/XXXX XXXX sent an email to XXXX XXXX apartment informing them that she was providing them with a 45-day notice with plans to move out on XX/XX/XXXX. XXXX XXXX contacted her on XX/XX/XXXX confirming he had received the email and that he would honor the terms provided in the email by XXXX XXXX. Additionally, he communicated to XXXX there would be no additional charges. 
XXXX paid XXXX rent. She then sent a check to XXXX XXXX Apartments for {$2700.00}. The check was delivered on XX/XX/XXXX and XXXX confirmed that XXXX received the check. 

Reason for the complaint : 1 ) Harassing phone calls, 2 ) pressured into providing account information, 3 ) withdrawing funds from XXXX account with providing details for the charges. 

On XX/XX/XXXX XXXX received a Collections call from XXXX XXXX from IQ Data International , INC. During the phone call XXXX XXXX XXXX that she owed XXXX an additional {$970.00}. She told XXXX that if she did not pay the {$970.00} by XX/XX/XXXX, IQ Data International , Inc. would report her to the credit agency on XX/XX/XXXX ( 7 days later ). During the call XXXX pressured XXXX into providing her Credit Card information so she would not have negative credit. On XX/XX/XXXX, IQ International withdrew XXXX from her checking account, overdrawing her account. 
XXXX felt forced to provide her account information as she was looking to rent housing in XXXX XXXX and did not want the negative credit reporting to impact her ability to find housing. 
After hearing about the call, I reached out to IQ Data International Inc. 
a ) We had no prior knowledge of any additional funds owed prior to receiving the collections call. We did not receive written notice of any additional funds owed. 
b ) I asked XXXX what she was going to report the credit agency given we werent delinquent. She did not provide a response or any details as to what she would be reporting to the credit agency. 
c ) When I asked what we owed {$970.00} for, XXXX could not provide any information. She did, however, give me hypothetical examples of what the charges could be She told me it could be for cleaning the apartment. She asked me if we had a walk through and if we didnt, it was probably for damages. ( note, XXXX stopped by the office on multiple occasions on the day we moved out and no one was in the office for a walk-through ) d ) When XXXX called XXXX XXXX XXXX XXXX inquire about the additional charges, they told her she did not owe any money and they currently processing her deposit refund. We provided a {$400.00} deposit when we signed the lease agreement. 

( note, if you need examples of email communications, I can provide them upon request )