23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I unfortunately was unemployed for an extended period of time. Due to this circumstance, I fell behind on my payments on a XXXX XXXX store credit card serviced by CBNA XXXX Citi. I spoke to a representative that offered me a plan that closed the account, gave me a lower/fixed interest rate and had a fixed monthly payment of $ XXXX. The representative confirmed that all late charges/any other fees on the account would be waived, my payments would begin XX/XX/XXXX, and my account would be brought current. I explicitly asked if the past due amount would still show on my credit report, or if my account would be brought current. I was told it would be brought current. This year on multiple occasions, I received notifications from XXXX and XXXX that my XXXX XXXX account was past due despite me meeting my agreed-to minimum payment of $ XXXX. I disputed this information with the credit bureaus, and was told the information would not change as it was verified by the creditor as accurate. I called Citi customer service today ( XX/XX/XXXX ) to explain the situation, and was told my account has shown as current for the last XXXX months, but they will continue to report it as past due in the first quarter of XXXX ( AFTER my payment arrangement began ) due to my past-due balance not being satisfied by the $ XXXX minimum payment. I was told this was company policy, and there was " nothing they could do '' to change it. I explained that I was led to understand that my $ XXXX payment arrangement would lead to a current account, and I was told the " program is designed to help get you back on track, not to help with credit worthiness ''. I informed them that I wouldn't have agreed to the arrangement had I know my credit would continue to be hit for the next XXXX months, but the policy was just repeated to me. I also informed them that XXXX DOES show my account as current/in good standing with XXXX lates since XX/XX/XXXX, but the other XXXX bureaus have completely different information. I was told the same information is given to all bureaus and that despite my understanding of the agreement the account will continue to report as late after XX/XX/XXXX. I asked for a copy of a signed agreement, I was told none exists, the agreement was verbal and there are " training forms '' read aloud when arrangements are agreed to. I asked for a copy of that information and was told that it could not be sent to me, but I could write a letter to see if someone else at the company could provide it.
Product: Checking or savings account

Hello I am a victim of identity theft. Someone opened an account with my name without permission. XXXX XXXX is reporting incorrect information on my file. I included this information as a debt on my bankruptcy
Product: Debt collection

The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2018 at XXXX, I attempted to contact XXXX XXXX XXXX to set up a payment plan on an account that I previously owed. At one point in time, I was set up on payments for this account but I was unable to continue making the payments. When I contacted them, the lady that I spoke with told me that in order to get me set up on a payment, I would need to provide them information regarding my personal finances. I told them that I was not comfortable providing that information, nor per the FDCPA was I required to provide this information. I told them that I could set up payments semi monthly in the amount of {$30.00} ( a total of {$60.00} a month. ) The woman told me that she was unable to set me up with that amount. Seeing as I work in Compliance for a collection agency, I do know that it is a violation of the FDCPA that they can not refuse any amount that I am willing to pay. I do have a copy of the call on my phone as well as I do record all of my calls, as well as they record their calls. Due to the illegal practices of this company, I want this debt removed from my credit report and for the account to be closed. I will continue to file complaints until this has been resolved.
Product: Debt collection

XX/XX/XXXX = called at XXXX XXXX XX/XX/XXXX = called XXXX XXXX XXXX XXXX  and XXXX XXXX  XX/XX/XXXX called XXXX XXXX and XXXX XXXX all calls are to my cell phone XXXX which is on Do Not Call registry and at all hours of the night, they have called after i am asleep and after cease and disist times.  sometimes multiple times a day. the number does not return to anyone. i have contacted the main line for national credit and they are not sure this is them calling but that is wh pops up on my caller ID when I called they gave me information about the debt attached to my phone number without certifying who I was. If I had been fishing for information it would have been given easily.

caling from XXXX
Product: Credit reporting

I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am writing to delete the following information in my file. 
XXXX XXXX ON XX/XX/XXXX - FRAUD/ IDENTITY THEFT XXXX XXXX ON XX/XX/XXXX - FRAUD IDENTITY THEFT XXXX XXXX SALES ON XX/XX/XXXX - FRAUD/ IDENTITY THEFT XXXX XXXX  ON XX/XX/XXXX - FRAUD XXXX XXXX ON XX/XX/XXXX, XXXX FRAUD XXXX XXXX  ON XX/XX/XXXX - IDENTY THEFT XXXX XXXX ON XX/XX/XXXX, XXXX FRAUD The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Debt collection

I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a {$200.00} payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Product: Debt collection

On XX/XX/XXXX, I made a payment to a collection agency for a delinquent bill in 2020 from XXXX XXXX. I called and paid by credit card for a settlement in full with XXXX XXXX XXXX  in XXXX, WA ( I have attached my letters for proof. ) Last month, I received a letter from McCarthy Burgess and Wolfe stating that I still owed a balance but, I already made a settlement in full payment to another collections company.

Could you please fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
XXXX Account # XXXX, XXXX # XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX # XXXX  XXXX, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I leased my new XXXX in XX/XX/XXXX through XXXX XXXX after turning in my other XXXX  when the lease was up with XXXX XXXX. My new lease started with XXXX XXXX in XX/XX/XXXX. I now had 2 different account # 's with XXXX XXXX one from my old XXXX and one for the new XXXX. When turning in my old XXXX I didn't realize I still had a {$78.00} balance on that account, therefore, online my account was showing the new account # for my new XXXX and the old account # for the old XXXX I just turned in. Both accounts were listed when I went online to make my first payment for my new XXXX in XX/XX/XXXX. Not paying attention, and this was the XXXX payment with the new account, I accidently selected the old account # with the {$78.00} balance to apply my new payment of {$520.00}. XXXX had reached out to me and I wasn't sure why since I knew I had made my payment and confirmed that the payment was made by looking at my bank statement, and the payment came out on XX/XX/XXXX. I just thought it was a clerical error on XXXX part and that they would figure out the mistake and correctly apply the payment and if not we would just do a true up at the end. I had my bank statement showing the payment was made. I have never been late on a payment and I have never missed a payment with all my years with XXXX XXXX. This is now affecting my credit and I have reached out to XXXX repeatedly starting around XX/XX/XXXX to explain what happened and ask to have the charge off removed. XXXX is stating that the charge off is legitimate. I made an honest mistake in selecting the incorrect account to apply payment, and XXXX even sent me a refund check for the difference of {$440.00} on XX/XX/XXXX. The refund was the difference of my car payment for the new account {$520.00} less the {$78.00} that was still on the old account. I spoke to XXXX again on XX/XX/XXXX asking what the check was for and the person I spoke to said it was a refund for the difference on my old account and to pay back the {$440.00} as good faith and I did that on XX/XX/XXXX. I'm asking for understanding and forgiveness for making an honest mistake. My payment history and credit history show that I always pay my bills and pay them on time. This was just a careless honest mistake of paying the wrong account #, but the payment was made just to the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or remove this from my file. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this deleted immediately. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate deletion of this item is necessary. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this updated now. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, delete the account from my report. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} - An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately. Otherwise, remove this account immediately. 

XXXX XXXX XXXX Balance : {$3700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, delete or remove ASAP. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} - Please review your records regarding this account, as we have established your bureau 's propensity for reporting inaccuracies, and validate this item immediately. Remove if unable to validate. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

I would appreciate it when you have finished your investigation to receive a detailed report on each of the items I requested investigation for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Equifax representative in XX/XX/2022 regarding my last name being misspelled on credit report. I also sent letter back in XXXX. I have not received any other communication from Equifax that this matter is being addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Student loan

I have made timely payments on my Fed Student loan for over 14 years to XXXX XXXX. XXXX XXXX XXXX XXXX. The beginning balance was approximately {$100000.00}. I have paid over {$120000.00} and the balance on the loan is approximately {$95000.00}. When I complained and requested an amortization schedule for a 15 year loan that has the same principal balance as it did 14 years ago, the Servicer informed me that no amortization schedule was available. Then a couple days later, the lender split my loan and transferred it to 2 new servicers, each with the balance apparently. There was no warning, approval, etc. I think this was done in retaliation for my filing a complaint and request for payment history. I have no idea if this loan or lending institution is legitimate. I have no faith that the records are accurate. 

Equally troubling is that my personal information has now been transferred to 2 additional entities ( including my birth date, personal address, social security number, banking accounts, email etc. ). I understood that the lender may select a servicing entity at the time of consolidation but it can not retaliatorily " split and transfer '' balances. This is a student loan, not a revolving credit card ( and hopefully not a pyramid scheme ). A 20 % return on investment should be adequate for student lending.
Product: Credit reporting or other personal consumer reports

I took out a credit builder loan and later realized it was not helping my credit so I payed it off. However they reported a payment 30 days late although Ive never been late.
Product: Student loan

I've contacted Navient Student Loan requesting a lower and more affordable monthly payment, but my request have fallen on deaf ears. The company is wanting me to make a monthly payment of {$1500.00}, which is completely unattainable. {$1500.00} a month is more than 70 % of my monthly income. I explained this to the representative and asked if there was an income-based payment program I could participate in, but I was told that was not an option. I'm completely out of options at this point.
Product: Debt collection

I got a copy of my credit report in XXXX, in XXXX I started calling to clear some debt. When I called Enhanced Recovery XXXX on XX/XX/XXXX, the guy told me the debt was no longer with them and I needed to contact XXXX. I looked at my credit report in mid XXXX to confirm the changes but there was no change, that same debt and company is still listed. I filled out a despute the end of XXXX and I received back that the debt is correct and I still owe the amount to them. I called this am to the collector and the female rep confirmed they dont have my account so I cant pay them anything, I need to get in contact with XXXX, they said the account has been removed from them since XX/XX/2018. I just need clarity on why this debt is showing under them but when I reach out to them they say they dont have it.
Product: Credit reporting or other personal consumer reports

The information being reported by Experian, XXXX and XXXX is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that all reporting of this information be blocked deleted. This request is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact but are made as it is relevant to the request to block the identified transactions as they are not information related to any transaction by I, as Agent in Fact, consumer. 
You are required to do what i am demanding, to block delete remove the transactions identified from the name XXXX XXXX XXXX consumer report immediately. There in no investigation required as it is not your right nor authority to produce such derogatory information which you are not legally authorized to produce nor distribute as has been the case repeatedly by all three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX, XXXX, and Experian, so that they can update my credit profile. XXXX made the change via phone but XXXX and Experian would not. I am sending documented proof so that my information can be updated.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX