23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.
Product: Debt collection

I have been trying to delete and explain my case to the credit bureau for a while there trying to make me pay for a bill that was paid by XXXX and have placed it on my credit and when I try get information on this account they are very rude and tell me that XXXX paid the hospital and not them when I went to the hospital Im not understanding this at all in everybody I contact is no help.
Product: Debt collection

XXXX  XXXX charged off was paid in full XXXX XXXX charged off was paid in full thru Midland XXXX and gap insurance did not pay after they said it was under investigation and I didn't have to pay anything while this was being settled. My car was stolen and totalled and they didn't go after XXXX XXXX who stole and totalled the car. Gap insurance gave an excuse that XXXX  XXXX  did not provide necessary paper work and they closed my claim after I waited 3 months for them to pay. I was left without a job cause I had no transportation and now I'm paying XXXX a month and they closed the account on me and it wasnt my fault
Product: Debt collection

Grant Mercantile Agency , Inc. 
I am writing this letter to inform you that I, ( XXXX XXXX ), am not responsible for the outstanding bill for the ambulance services that were provided to me on XX/XX/2022. As you may be aware, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day and suffered severe injuries, which required immediate medical attention. The accident was caused due to the negligence of the other driver, and I hold them responsible for the incident. 
As a result of the accident, I had to be rushed to the XXXX in an XXXX, and the XXXX XXXX  were necessary to ensure my timely and safe XXXX XXXX XXXX XXXX. However, I want to clarify that I am not in a position to bear the cost of these services since I was not at fault for the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Product: Debt collection

On XX/XX/2016 I sought emergency care in a North Carolina hospital after an automobile accident. At the time I had hospital insurance with XXXX XXXX and also XXXX XXXX XXXX. When I received a bill from the hospital I called to question why I was being billed but promised to pay a small amount as a " goodwill place holder '' until I could clarify my responsibility.. Some months later, XXXX contacted me and took ownership of their insured 's liability and I erroneously thought that XXXX would pay all medical bills associated with the accident. I found out that the medical debt to North Carolina had gone to collections, thus spoiling what had been my stellar credit score of the years. 

As a new resident of Georgia, I was never able to find any lawyers to help me with any claims either because they did not practice in North Carolina or because my case was not worth their while. ( Moreover the timing of the accident presented any number of other issues piled up to complicate the matter. ) As I mentioned earlier, I had erroneously thought that XXXX would pay the medical bills that I had incurred. I have finally gotten a settlement offer from XXXX only to find that NC law does not permit XXXX to pay the debt incurred in the NC Hospital emergency department. The settlement leaves me with a diminished credit rating, the balance of over {$1000.00} in collection, and the unresolved question as to why the NC Hospital 's Billing Department did not first make a claim to my health insurers I think that this was an error on the part of the NC Hospital. I want to add that I received subsequent medical treatment through XXXX XXXX, for which liens were attached to the settlement and thus these bills will be paid by XXXX. The statute of limitations for the accident is just about to expire as far as the accident is concerned .. Because I am XXXX years old and have never had any credit problems, I had no thought of contacting you earlier and still do not know if you can offer any advice. However, I am going to call your telephone number but wanted to establish a background. I am only trying to address the bill from the North Carolina Hospital that is on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I am a living soul. I dispute owing debt ( s ) to XXXX XXXX XXXX XXXX reported unverified by TransUnion. It has been very stressful and exhausting in pursuit to exercise my right to Fair Credit Reporting Act. I received a copy XX/XX/XXXX of consumer report with TransUnion after submitting several disputes on each. XXXX XXXX XXXX XXXX used my identity, name and social security number without my written or verbal consent and furnished collection account ( s ) to the public on my consumer report that are false misrepresentations of accuracy. My credit disputes and my right to an accurate and complete report were denied by XXXX and TransUnion. The date, the account number, the account status, insurance payment status, dispute remarks, dispute comments, dollar amount, the original creditor, the loan type and assignment of debt to the collector are disputed as inaccurate and unverified. According to FCRA all accounts must be reported with the maximum possible accuracy. I called TransUnion Friday XX/XX/XXXX, and was transferred @ XXXX EST to XXXX XXXX a Supervisor in XXXX XXXX PA XXXX I explained my results received after dispute XX/XX/XXXX states XXXX XXXX XXXX XXXX account was supposed to be deleted and removed from my credit report. XXXX did not take care to assist me. I then was transferred, I spoke to XXXX, a supervisor until XXXX EST. I and my witness explained the investigation results we received online said the collection should be deleted, the item was not deleted, nor was it removed. XXXX XXXX XXXX XXXX. I disputed XX/XX/XXXX for not being an attorney. I confirmed with XXXX the dates in his system with TransUnion when I disputed this account again XX/XX/XXXX, on XXXX XXXX, XXXX XXXX and XX/XX/XXXX, with a letter to validate a claim was closed and paid, I wrote to XXXX XXXX XXXX XXXX and disputed a judgement or relevant factual information was never provided for validation as requested. Georgia state law has a statute of limitations that was exceeded. I sent a certified letter to XXXX XXXX XXXX XXXX to cease and desist XX/XX/XXXX. I realize I have been a victim of unfair and deceptive business practices and identity theft as my requests to delete the account ( s ), reinvestigate the documents. All my written, verbal and certified requests for accuracy have been ignored by these companies. I do not owe the original creditor or national credit systems accounts XXXX nor XXXX debt ( s ) disputed. All claims were paid by XXXX XXXX XXXX XXXX for claim # XXXX, XXXX of XXXX. Please see attached Cease and Desist certified receipt to debt collector XXXX XXXX XXXX XXXX. The claim receipt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Results from TransUnion to delete the duplicated account ( s ) disputed XX/XX/XXXX or prior to this date. Best Regards.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send menotification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express concern regarding the recent dispute results that I have not received. I specifically requested, through both the CFPB portal that all dispute results from ( Equifax/XXXX/XXXX  ) be provided electronically via portal. However, I have not received any electronic communication, and I do not know where my personal information has been sent if they sent out mail without confirmation with me. This failure to meet my request puts my sensitive information at risk, as it may have been mailed to an unknown or insecure location, potentially exposing me to identity theft. Under FCRA 1681i ( a ) ( 6 ) and FCRA 1681g ( a ) ( 3 ), I am entitled to receive dispute results securely and in the manner requested. I demand immediate confirmation of my results and that all future communication be provided through the CFPB portal and/or ( Equifax/Experian/Transunion ) portal as originally requested .
Product: Debt collection

Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/29, I sent letters regarding inaccurate and false on my credit report. To this day, I wasn't notified of any investigation taking place. It's been more than 30 days since my first letter. I feel like I'm being ignored of my disputes. This are deceptive practices by those agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loans was paid off and I received a letter show paid in full. Then it was referred over to  Navient  stating that I still owe on the loan. Each time I call they tell me they are freezing the account for investigation and all they do is add more interest and extend the years on the loan, not investigating. One lie after another with these people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. Inquire done for credit card, I already have a XXXX XXXX XXXX account. This application on this date ( XX/XX/ ) was not done by me.
Product: Debt collection

I sent LVNV FUNDING LLC,2 letters disputing the alleged debts of ( {$450000.00} ) on XXXX XXXX that i do not owe. i have requested the validity of the debts along with other information that i have not received, also attached copies of the letters below
Product: Credit card or prepaid card

On XX/XX/2022 I made an electronic payment of {$3500.00} to my credit card company from my bank. The bank statement shows the transaction but it was never credited to my credit card account. I understand that the payment was sent to my old account number that I had used in the past but due to a computer up grade at the credit card company it no longer matched the old and new numbers. I have tried to resolve the issue with the credit card company giving them 90 days as they required but no resolution. I have sent the documents they requested and my bank has tried to assist.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Tra_icking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX  bal. {$57000.00}, XXXX XXXX bal. {$8400.00}, XXXX  XXXX {$420.00}
Product: Debt collection

I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. Experian then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over XXXX.
Product: Debt collection

I was given two days to leave an apartment complex only owing a couple hundreds dollars and now it is listed on my credit file for $ XXXX. This is crazy, I requested the apartment complex give me a break down and nothing ever was received. I was more than willing to pay what I owed which was a couple hundred dollars. Please help
Product: Debt collection

In XX/XX/XXXX, I was seen at XXXX XXXX medical. For services rendered my insurance company at the time had issued a check XX/XX/XXXX ( See attached document ). XXXX XXXX 's incompetent accounting abilities sent this to a collection agency Wakefeild and Associates. I have made repeated attempts to show a copy of the check to Wakefield ( The attached document ). Wakefield has since reported this to all three credit agencies. I have been able to show to 2 out of the 3 agencies that I was not owed this debt and they have removed it from my account. The reason I have not been able with the third is due to their website failing to upload the document. Today XX/XX/XXXX, I have arrived home and there were court documents on my kitchen table. They are from Wakefield and Associates trying to sue me in court. I have copies of correspondence between the insurance company as well as a copy of the check that XXXX XXXX received that payed off the debt.
Product: Debt collection

I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written.
Product: Debt collection

They are using my information fraudulently and without my consent I'll be filling a police report for identitie theft, theft by deceiving and theft by taken I demand a prof of debt validation in affidavit form under the penalties of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mortgage services XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has told me they performed a " scrub '' of bankruptcies in their records and incorrectly noted on my account that it was discharged in a XX/XX/XXXXbankruptcy. The information is incorrect. My bankruptcy was discharged on XXXX and the XXXX, known as XXXX at the time was on the unsecured creditor list on my bankruptcy petition filed XXXX. I 've contacted both XXXX and XXXX where the item is listed as a negative factor on my credit report impacting my credit approval for a mortgage loan. XXXX XXXX admitted the error but has informed me that I am the one who needs to make it correct when I did absolutely nothing wrong. I do not have this problem with the other unsecured creditors on the petition. XXXX XXXX would not resolve the problem that they corrected through multiple phone calls and have told me I have to mail in the claim/dispute with my supporting documents when they have told me they are aware that I am correct in that the items should show as discharged as part of an XXXX discharge, rather than a XXXX discharge showing on my credit report with XXXX.
Product: Mortgage

I contacted Seterus Inc XX/XX/XXXX by email. I explained I was told I had a 60 day late payment on my mortgage history when I applied for a preapproval to buy a new home. I explained that I could not have been 60 days late in XXXX because I had sold the house and paid it in full on XX/XX/XXXX. I fully expected this was an easy fix. I emailed them on XX/XX/XXXX and attached to my letter was the closing statement showing the mortgage with them was paid in full XX/XX/XXXX. I also attached the credit report showing the mortgage was marked 60 days late XXXX. I am writing to you today on XX/XX/XXXX and my credit report is still not fixed. I called them almost one month ago now to say I never received a response. The girl on the phone told me the letter went to the wrong address. I ask if she could read the letter to me from the computer she said the letter said everything was reported correctly. I ask to speak to a supervisor. After one hour on the phone the supervisor agreed she could see where the mortgage payment for XXXX could not have been 60 days late. She said she would have a soft credit pulled and have it fixed. I was on my cell phone and got cut off. I called back in a few minutes not having the supervisors name the girl on the phone looked up my old account and said there were no notes in my file. I said could you please put my phone number in the Computer to make sure they have it fully anticipating the supervisor would call back because she said she would. XXXX I called back again and went through the whole story with another person XXXX XXXX. She apologized and told me I needed to write the 3 credit bureaus to have it corrected. I explained I know that process and it would require up to a 90 day wait.. I explained after All the time I had waited it would be much simpler and easy for Seterus to make it right they were the ones who reported it incorrectly. She said they could n't do it. I am writing this complaint for others also. I am a XXXX and this is NOT the first time this has happened. I did a loan for someone with a very similar situation last fall. I had to order a credit supplement which XXXX had to pay for. The underwriter turned he loan application down initially because of the recent late. The credit supplement XXXX ordered showed they were incorrect which helped him get the loan but did not fix his credit report. It is not fair the attitude they have. Everyone I spoke even including the letter I received takes no ownership in have to live in my son 's small apartment till I can get this fixed. I have to store my furniture. Please if you can get through to them for all the people like me who just want fair credit reporting can you help us. I am happy to pro idea the other name of my loan applicant if you need it.
Product: Debt collection

Chase currently claims to be a servicer of a loan in my name on behalf of XXXX XXXX. I have already received a letter from XXXX XXXX that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.
Product: Checking or savings account

I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. 

I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. 

I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. 

With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. 

I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. 

PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.