23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX billed me for an apartment number I never lived at, said they would resolve the issue, then sent it to collections without notice. I lived at <Address> Apartment XXXX, and they opened an account in my name and billed me for utilities at <Address> Apartment XXXX. I never received these bills in the mail due to them being sent to an apartment number I did not live at. 

They refused to reverse the charges because the debt was " too old '', despite me not finding out about the debt until they contacted me about sending the debt to collections. This is unacceptable behavior that could easily happen to other customers of XXXX. There needs to be oversight to ensure they do not fraudulently open accounts in people 's names without their knowledge.
Product: Debt collection

I sent a certified letter dated XX/XX/XXXX to the collection agency New World Collections which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe New Worlds Collections the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX and the credit bureaus ( XXXX, Equifax, and XXXX ) for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws. 

I have identified the following issues regarding my credit report and the collection efforts by XXXX XXXX XXXX and the credit bureaus : Violation of the XXXX Rule for Reporting Debts Under 15 U.S. Code 1681s-2 ( FCRA ), if a debt has been sold to a third party, such as XXXX XXXX XXXX, and XXXX XXXX 180 days old, I am not obligated to pay the debt directly to the new creditor ( XXXX XXXX XXXX ). This is a crucial consumer protection rule. 

The debt was sold to XXXX XXXX XXXX, and I have learned that it is over 180 days old. 
As a result, according to FCRA Section 1681s-2, I am not liable to the furnisher ( XXXX XXXX XXXX ) for this debt under any direct payment obligations. 
I am requesting that XXXX XXXX XXXX and the credit bureaus remove any derogatory marks on my credit report that may be associated with this XXXX debt that has been sold. 

Violation of Written Consent Requirement According to the Fair Credit Reporting Act ( FCRA ), Section 1681b outlines that credit bureaus and furnishers are required to receive written consent from consumers before any information is added to a credit report. They never received my written consent. This includes any accounts or credit information being furnished to the bureaus for reporting purposes. Which means they are committing fraud. 

XXXX XXXX XXXX and the credit bureaus have failed to provide evidence that I granted written consent for the furnishing of the debt to any of the credit bureaus ( XXXX, Equifax, XXXX ). 
Without my written consent, XXXX XXXX XXXX and the credit bureaus are violating my rights under this FCRA provision. 
I request that XXXX XXXX XXXX and the credit bureaus provide written evidence of my consent, or I demand the removal of the debt and any related derogatory marks from my credit report. 

Reporting of Derogatory Marks without Legal Basis Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), it is illegal for any furnisher to report inaccurate or misleading information. Specifically : The debt reported by XXXX XXXX XXXX is incorrect, as I do not owe the debt due to the passage of more than 180 days since it was sold to them. 
The derogatory remarks on my credit report are not justifiable under the laws governing debt reporting, particularly the FCRA and FDCPA. 
I request that XXXX XXXX XXXX and the credit bureaus immediately remove any derogatory remarks or late payment reports that are incorrect and do not reflect the actual state of my debt obligations, as per FCRA Section 1681.
Product: Student loan

I was with Navient for many years, and was unable to make payment for a very, very long time. The loan went to collections and I entered into a program through Navient to make a very small payment for I think 8 months consecutively to put the loans back into good standing and drop the total amount owed down quite a bit, I cant remember the details exactly but I think it was like reduced accumulated interest and penalties or something. That was awesome, it dropped my total owed down quite a bit. However, once my loans were back in good standing, I was still destitute and making only like {$800.00} a month and couldnt afford payments. They informed me I was making too much to qualify for any programs with reduced payments and had to either pay a ridiculous monthly payment or go into forbearance. I believed I had no choice but to go into forbearance and let interest accumulate for several years in a row, which meant that the interest ended up ballooning my total owed back up to the amount it was originally at with interest and penalties before the program to put loans in good standing that I entered into dropped the total owed to something far less depressing. I now know I was more than eligible for reduced payments or possibly interest free deferment or something like that, and that they steered me into forbearance deliberately to pump up my amount owed. Im a single dad with no college degree, my sons mother is deceased, and I know I have a loan that needs to be dealt with, but the amount owed currently is about double what it was when I completed the renewed good standing program offered by Navient, and there is no way I can pay off almost {$100000.00} in student loans and fees and house my kid. I feel I was very manipulated by Navient and XXXX truly hoping there is something to be done about it. Ive already applied for and have been approved for an income based program but havent heard what the payments will be. Please let me know if there is some thing I can do about the devious behavior of Navient.
Product: Debt collection

I had a medical bill paid XX/XX/year> to XXXX XXXX. On XX/XX/year> the hospital changed ownership. The hospital said they can not help me because the bill was paid the day before they took over. The old hospital owners reported the debt to a collection agency prior to selling out. The new owners at the hospital show Medicare paid it. When I tried to explain this to the collection agency they hung up on me 7 times! They kept hanging up on me and have now reported this twice against my credit. I do not owe it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection in the amount of {$500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX XXXX in search of an internet provider. I was talking to a customer service agent and the telephone call was disconnected before I could give them any credit card information. I tried calling back and was routed to an overseas help desk and I was unable to understand what the representative was asking me. I asked the representative to transfer me to a supervisor. They were unable to transfer me to a supervisor. I then asked the representative to immediately cancel any service I allegedly signed up for. I was not aware, since no money was exchanged, that they could just send me to collections for an account I did not agree to open up, and had specifically asked to be cancelled. I never received any statements and consequently had no knowledge that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the  bureau to remove this however, I have not been successful.
Product: Checking or savings account

I have several closed accounts at Key Bank. On XX/XX/XXXX, a refund from XXXX was sent to be credited to my debit card since it was the original payment method. I waited for months for it to be rejected by the bank and returned to XXXX so they could refund me in a different method. I thought the problem was on XXXX, because surely the bank didn't accept the funds to a closed card/closed account. In XXXX, after XXXX assured me they had not gotten the funds back, I called the bank. After researching for a while, the representative told me that the credit had come on XX/XX/XXXX and was not rejected by the bank and had been held for 4 months. How can a bank hold someone else 's money without so much as a phone call? She said that she had to submit a request ( I believe to the Returns Department or something similar ) for a cashiers check to be mailed and that it would be processed within 2 business days. Over a week went by and I called back. Another representative saw the notes about the request and told me that it should have been 10 business days and to wait a couple more days. It's been over a month and I haven't received the check. I called today and spoke to 2 different customer service representatives who said there is no record of the transaction, no record of a request to send me a check, and they could only find one closed account in my name. I was on the phone for over an hour with employees who literally didn't believe me and wouldn't get assistance from anyone else to help me. I have moved and there is not a local branch for me to visit. I am still looking for a refund of {$230.00}. At a time when most banks are stepping up, Key Bank is proving that their processes are unfair, deceptive and abusive.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
Product: Checking or savings account

On XX/XX/2020, I noticed my Chase bank card with the numbers ending in # XXXX missing from my purse. The only person at my apartment other than me was a guy named XXXX XXXX. I did not believe my card to be taken by this guy at this point. However, later, after he left my residence, I tried to send money via my account to my to my daughter. My transaction was denied. That is when I checked my actual account and saw my money missing. XXXX had taken out a total of over {$700.00} from my account. those charges are as follows. XXXX {$400.00}, {$100.00}, {$100.00}, {$100.00}, & {$21.00}. I immediately contacted the bank as well as cancelled any access to my card and changed the pin. I also immediately filed a police report. That report has been included. I then sent the police report to chase bank thru their secured messages as well as thru fax. Each time I have contacted them, they tell me that they have denied my claim and when I've asked about a dispute, they say they will reopen the claim. however, now I've been told that they can no longer open the claim again and there is nothing further they can do. My money still has not been returned.
Product: Credit reporting

I am trying to refinance my home mortgage. When my broker tried to pull the loan, there was an account from a company called Department of education ( # XXXX ) and ( # XXXX ) showing 90 days plus late on Transunion and XXXX. This account should not be late because I have made all my payments since my loan was consolidated. I called the department of education and their database has my account as current and they are not reporting me as late to the credit bureau. This should not be listed on my credit as late because I am current. I have tried to challenge this account on several occasions but was told by the department of education department representative my account is current and they are not reporting me to the credit bureau and there is nothing to update. I do not understand how an account that is current is being reported to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XX/XX/XXXX.I know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks
Product: Debt collection

1st ProgressXXXX  XXXX  XXXX XXXX XXXX XXXX, TN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}
Product: Debt collection

I have no clue to where this collection came from I never had XXXX ever in my life nore did I ever sign up for XXXX and I want this off of my credit report
Product: Debt collection

On  XXXX   XXXX    XXXX  , I received another collection call for a debt owed by a  XXXX   XXXX . There is not and never has been a  XXXX   XXXX  at this number. I have received monthly calls from multiple debt  collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.
Product: Debt collection

Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft RMS Date of inquiry : XX/XX/2020 This is not mine.
Product: Checking or savings account

Friday, XX/XX/2021, I went to the Chase ATM to deposit a check in the amount of {$4900.00} into my account. I received a message from the ATM stating that Chase will be holding all funds until XX/XX/2021, with no immediate funds to be made available. I was bothered because I am very familiar with Reg CC and thus understand that : 1 ) I should have access to at least {$220.00} from my deposit at that moment.

2 ) I am NOT a new customer. I have been with Chase for at least 10 years ; therefore, a 10 day hold on my deposit is not necessary, nor applicable.

3 ) The check amount was less than {$5000.00}, which means that this does not qualify as a " Large Deposit Hold ''. Furthermore, I have in the past deposited checks that were less than {$5000.00} but over {$1000.00}, and was not given a ridiculous hold time. 

I spoke with Chase and presented these facts. I was told that they could not release the funds because they did not have an image of the check yet in their system. I don't believe this because my receipt from my ATM deposit has an image of the check ; therefore, they have the image too. I also asked why they were placing a customer of over a decade on a 10 day hold to release funds from a check that was less than {$5000.00}, and they could not provide an answer. 

We are now Monday XX/XX/2021, and I still don't have access to my funds. I have bills that were pending payment on that date, and now my credit score and account status are going to be affected by this unnecessary hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, XXXX XXXX sold us a timeshare based on points, not property. XXXX told us when we bought that they will not list the loan as a debt or recurring debt and they did. There is an entry on our Experian Credit report for a company called XXXX XXXX XXXX, for a timeshare. Since it is not real property and we bought points only, this should not be on our credit report as a loan. When we found out we were misled and was sold a fraudulent contract we hired an attorney. We also stopped paying while it was being investigated. XXXX reported missed payments on our credit, even though they said it would not. Since they have reported, we can not qualify for housing. We have paid them over {$15000.00} and have not been able to use the product that was sold to us. They have agreed to take the Timeshare back and we are now are seeking help for all credit reporting to come off the report.
Product: Mortgage

I lost my job because I refused to take the non-FDA approved vaccine, so my company let me go. I have a family of XXXX, and now all law firms that I have applied for, have blacklisted me because of not taking the shot. I'm the sole provider for my family, as my wife is XXXX due to a car accident. We have XXXX young children.
Product: Credit reporting or other personal consumer reports

The CFPB will have no choice but to fine XXXX XXXX  involvement in fake XXXX  XXXX XXXX fake SSN numbers XXXX and XXXX all over their records including below and has never sent them a duplicate including have never provided an answer and nothing to explain how they got my personal information a failure to disclose. 

XXXX. On XX/XX/XXXX at XXXX to XXXX XXXX from XXXX XXXX XXXX XXXX minutes he said there is an Criminal offense on your records in XXXX hold on I am reading it about XXXX XXXX. 

. 
XXXX. On XX/XX/XXXX at XXXX for XXXX minutes I received a call spoke to XXXX XXXX XXXX and she said XXXX XXXX  are fully aware what they did as third and your property we sent you satisfactory of mortgage XXXX, XX/XX/XXXX and XX/XX/XXXX and I am putting that in the system and you can go get copies at any local branch. 

THE CFPB MUST FINE XXXX XXXX  FOR CRIMINAL FRAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.