23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections. 
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately. 
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX  was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.
Product: Consumer Loan

financed a car thru santander consumer usa XX/XX/2013 been paying regularly since then got behind once and paid XXXX to get the car back when i was only behind 60 days for a total of XXXX then amounts of money i pay monthly never goes to the principal only on interest the loan was supposed to be paid off in 5yrs now their info says a 7yr loan the balance only goes up never down still owe according to them XXXX checked my credit report now says that its a charge off account and never is paid when i have proof then was pulled over because my car plate and vin has no info and being advised by dmv that santander put a freeze on my vin so i cant get the car plated anymore
Product: Debt collection

This was removed from my credit by the institution i had a wet signature with. however today i reviewed my account and noticed a collection from a company ive never had any involvement with reopened it and now are sending contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
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

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts from all 3 credit bureaus XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Mortgage

Please refer to my previous complaints about Mr. Cooper mortgage like XXXX For more than 1.5 years - my online amortization schedule is not enabled. 
I haven't got the answers to my questions for so many months. 
I asked another question : I want to know the mortgage interest paid by me in XXXX  and XXXX  as the loan got transferred from XXXX to Mr. Cooper. 
But for this basic question also, Mr. Cooper want to have an excuse or delay the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXXXXXX XXXX XXXX  XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Debt collection

my Mother 's Car Was Stolen on XX/XX/XXXX i was XXXX at the time all our documents was stolen in that car Once i Became an Adult i Quickly Realized my Credit and name was fraudulently being used even Wrong Addresses and Incorrect Use of my Name, i reported to XXXX on XX/XX/XXXX provided the police report and proof of identity they removed the fraud account VyStar with a debt of {$1000.00}, opened XX/XX/XXXX then put it back on my credit report without fully investigating the documents provided i also have proof of them saying it was removed off my XXXX credit report on XX/XX/XXXX also with incorrect phone numbers listed the only number i own is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one. 

I HAVE ALSO MAILDED OUT VAILD DOCUMENTS SO THEY VERIFY THAT IT IS ME I WILL LIST THEM BELOW : SSI : DRIVERS LICENSE : TWO COPIES OF BILLS WITH CURRENT ADDRESS ALL VERY CLEAR IMAGES AND READABLE BUT THEY AND SAY THAT I DID NOT
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX # XX/XX/XXXXXXXXXXXXXXXXXX {$3300.00}
Product: Debt collection

Ability recovery services llc is trying to collect on a said medical debt and they are not bonded in the state of TX. The debt was Added to my credit report XX/XX/XXXX in the amount of {$670.00} without any documentation
Product: Debt collection

Midland Credit Management bought a fraudulent debt from XXXXXXXX XXXX in my name. They have now reported it to XXXX, XXXX XXXX, and XXXX. I already had this discharged from my XXXX report when the original creditor reported it, ( XXXX XXXX ), as they couldn't verify it was my debt. Now Midland Credit Management bought the debt, which has to be illegal, ( buying a fake debt ). It should have been illegal for XXXX XXXX  to even sell it. It's fraudulent.
Product: Credit reporting

XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report.
Product: Credit card

In approximately XX/XX/XXXX, American Express removed the XXXX benefit from our XXXX American Express card. Since that time, we have applied and re-applied for the XXXX benefit to be re-instated. The representatives have wrongly applied for SCRA benefits on multiple occasions as well. Each time the XXXX benefit is applied for it comes back denied. I have called American Express with an XXXX representative on the phone who confirmed that the benefit should be applied to our account and explained to the Amex representative that XXXX pulls a person 's XXXX XXXX status first and does not reflect dependent status. I am XXXX XXXX with the United States XXXX XXXX XXXX which does not fall under XXXX protections. My husband is XXXX XXXX XXXX and I am his dependent and as the law states, XXXX benefits extend to military dependents. We have explained this over and over again to Amex and have been refused XXXX protections each time. When we spoke with a supervisor in XX/XX/XXXX, she stated that she could remove the annual fee on the card so we could close the card or we could apply one more time for the XXXX benefit. When I called today after learning the benefit had been denied, the supervisor ( XXXX ) stated he could not remove the annual fee when closing the account. I would prefer our XXXX protections be applied to the account so we can keep it open. We have offered to provide copies of XXXX XXXX orders, promotion orders, marital certificates, etc and are told no each time. Currently, American Express continues to blantantly violate XXXX protections that are supposed to be afforded to XXXX XXXX members and their spouses.
Product: Debt collection

To XXXX XXXX and Debt collector Pollack & Rosen , P.A . From XXXX XXXX I write to advise you that I will be filing a lawsuit in XXXX for your intentional and willful violations of the FCRA and FDCPA which includes your recent attached debt collector written communication dated XXXX XXXX XXXX reference # XXXX, This purported required debt validation notice is not only untimely and late but it was NOT mailed on XXXX XXXX XXXX as represented but rather over more than a month later on about XX/XX/ ( 41 days later ) and processed by the USPS on XXXX XXXXXX/XX/ for delivery SOON and received on XX/XX/2023, delivered to my mailbox in XXXX as documented from USPSs email to me. XXXX XXXX needs to get its ducks in a row which required required notices. Mailing Notices that were required to be done in XXXX XXXX XXXX months late for the initial communication, then deceptively claimed mailed on XXXX but actually deposited for mailing 41 days later will cost you {$25000.00} for statutory and punitive damages plus a Complaint to the XXXX XXXX XXXX XXXX  proceedings.
Product: Credit card

This is in reference to the prematurely closed complaint XXXX. In their response, US Bank implies that I did not respond to their requests for additional information. That is not correct. I responded by uploading my response to their online portal. Another example of their backend systems being faulty, which they refuse to acknowledge. They really should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally accessed my XXXX  credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this is fraud.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$3700.00}
Product: Debt collection

Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a XXXX. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Product: Payday loan, title loan, or personal loan

I have contacted this company so many times. They are not listening. The FTC is investigating. Why would I give them information when I am afraid they will do something with the information I provide. 

You can't ask for my drivers license when I am disputing it. California law. 

They keep giving me there resume without even hearing me. I can not take out a loan. I filed bankruptcy not to long ago and I am a veteran so there is no way I would be approved for a loan. LISTEN TO ME. 

Unless your company is shady which I believe it is. There would be no way I can take out a loan.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX 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 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: Debt collection

on XX/XX/2018 SUNRISE CREDIT SERVICES started reporting a debt collection account on XXXX under my name that is not mine and i dont recognize for the amount of {$600.00} They are reporting false information. I filed a dispute online through XXXX  explaining that this is a fraudulent account, and is not mine and i need them to validate it .The debt collector didnt mail me any validation letter or respond to my dispute. They didnt delete the account. The account is showing on my record as updated, but no new information was added or changed, I never received no explanation for this account and no validation from them.
Product: Student loan

I am currently a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX. As verified by my XXXX from the XXXX school year. I transferred from XXXX XXXX in XXXX. I have continued to call and try to talk to someone as my loan is showing a payment coming due. Just because this is a XXXX XXXX, does that mean you can never find anyone to assist? I have spent hours on the phone trying to get through only to be looped into a message and the system hanging up. I find this to be an unfair practice when I am a student in college and payments coming due create a hardship since I am not working enough to pay them. Furthermore, I can not start out with late payments on my credit bureau. I need assistance. Once the interest capitalizes will this cause me more harm than if this loan was being handled correctly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Product: Debt collection

I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.