23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted XX/XX/2021 by a company that told me their name was XXXX. They said that they were attempting to collect a debt for a pay day loan company called Money Mart. Also, on XX/XX/2021 this company contacted my mother. I never gave This company XXXX any authorization to contact any of my relatives. They spoke with her in a manner leading her to believe that I was in serious legal trouble or trouble with the authorities. The company XXXX told me that they did not have a website or an address. I feel really uncomfortable deal with a company that can not or will not give me information to verify them. I also dont like that they called my Mother without authorization from me to contact a relative.
Product: Debt collection

This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
Transunion & XXXX are also reporting outdated payment history on a paid in full closed account from 2018.
Product: Mortgage

In XXXX our mortgage payment was {$440.00} when I got my statement for how much my mortgage would be for this XXXX because every year in XXXX our mortgage payments change they either go up a little or they go down so when I received the statement for this XXXX an I saw the payment was for {$610.00} I actually flipped it went up almost {$200.00} when I went to the key bank on XXXX XXXX in XXXX an the manager looked at it he actually did not know what to say about it he used every excuse in the book why it went up the first excuse was well the gas prices went up I told him that has absolutely nothing to do with my mortgage payments then he said well maybe its your taxes they might of went up i told him right out not {$200.00} no way then he said the materials that you have to use to repair things for your home have also went up I said that should all be in my home owners insurance I am not getting any satisfaction about why this mortgage has gone up that much we have had it go up in the past but definitely never {$200.00} this is really gon na be hard on me because I have lost my Mom so she isnt here to help me with the payments here I am on XXXX for several back surgeries. Can you please help me out with this situation my mortgage is due by Tuesday if not paid then a late charge will be slapped on it can you please give me at least some ideas as what I should do because I am lost here. Can you please get my payments brought down for me please Im asking from my heart to please help me out. 

Thank you for taking the time out an reading my letter I really appreciate it very much
Product: Bank account or service

I have had accounts with Navy Federal Credit Union for over 10 years. They have repeatedly closed my accounts as part as collection practices. Even now my checking account was closed because of collection efforts from a secured loan. This is the second time they did that.
Product: Vehicle loan or lease

I was talking to a salesman about a vehicle and told him what I wanted the payments to be..later he asked me to send him my pay stubs but I never had a chance to send them. ( I have text messages to prove it ) ..layer he tells me I was approved for a loan ( that I never applied for ) the loan company doesn't have a application on file for me... the dealership advertised a 30 day guarantee but refused to stand behind it after the vehicle needed engine repair after 2 days of receiving it..the loan company promised me that would take care of it only to find out they WILL NOT do anything to help me..they have lied and manipulated the situation.
Product: Credit card

XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a certified letter receipt returned, requesting a investigation into a account with Trans Union , LLC. The account XXXX XXXX XXXX acct # XXXX. Per ( FCRA ) the allotted time to complete this investigation is 30 days. As, of this date of XX/XX/2022 I have not received a response from my letter of investigation sent certified. I then called Trans Union , LLC and spoke with a credit representative with Trans Union , LLC. My letter for an investigation request, was not responded to, in asking for my investigation results Trans Union, LLC denied me the results of the investigation, including not responding back within the federally mandated 30 days per the ( FCRA ) .In calling and speaking with the representative I asked why i did not get my results, I also asked why I had not received a current copy of my Trans Union credit report . Reflecting that the errors on my report were still being reported as being inaccurate. The latest report from Trans Union , LLC dated was XX/XX/2022. 
Which would not have been the allotted time to complete a investigation into the accuracy of negative account being reported. 
I have tried several times in trying to fix this, but with no success. This account is only being reporting on my Trans Union report. Also when Trans Union, LLC respond they do not send a full copy of my credit report. So, I can see the results of investigation that I requested. 
I a consumer person has the right to dispute any information on my credit file. In doing so with this account Trans Union LLC, has violated my federally constituted rifgts under the ( FCRA ) .l.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX
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 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 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

I disputed with the company on XX/XX/XXXX the company received my dispute on XX/XX/XXXX. it shows now XXXXand I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Product: Credit reporting or other personal consumer reports

I want to see if a user of consumer reports or a furnished of information to a consumer reporting agency violates the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an ample amount of accounts that are showing on my report that I never opened. I am upset that the creit bureaus allowed this to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three requests to investigate and send proof of inaccurate information on my credit profile on XXXX and XX/XX/XXXX and have yet to receive and proof. I am looking to purchase a house and this is preventing me from accomplishing my dream
Product: Debt collection

FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I mail a certified letters to the credit bureaus requesting that the following inaccurate & fraudulent items be immediately investigated and Deleted in order to show my true credit history. Its been nearly 4 months now, and they still havent remove the inaccurate information or send any verification. 
I demand that the following items be re-verified and deleted from my record. I have attached the FTC report along with my SSI and Driver 's License. 

These items do not belong to me. 

Company Name : XXXX XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT Zip : XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX  XXXX XXXX City : XXXX State : XXXX XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX City : XXXX State : NE XXXX
Product: Credit card

On XX/XX/XXXX of 2024, I used XXXX financing to purchase a XXXX  machine. The XXXX provider noticed a mistake and cancelled the order and the promotional financing for the order. 
On XX/XX/XXXX of 2024, I noticed the promotional financing was still on the account and initiated a transaction dispute with Synchrony. Payments were being made towards this transaction On XX/XX/XXXX of 2024, I received the following from Synchrony removing promotional financing : " We resolved your dispute claim in the amount of {$1300.00} on XX/XX/year>. A credit of {$1300.00} has been applied to your account. 

What's next? Please allow XXXX business days from the resolution date for the amount to be credited to your account. You can expect a letter with additional details soon. 
" On XX/XX/XXXX of 2024, I noticed the promotional financing was back on the account and that I had been still paying towards the transaction. 

On XX/XX/XXXX of 2024, I received the following " We have completed our review of the disputed transaction on your XXXX XXXX XXXX account. 
I am pleased to let you know the credit in the amount of {$200.00} was applied to your account as you requested on XX/XX/year> in response to your inquiry submitted on XX/XX/year>. If applicable, interest charges, fees, and delinquencies related to this adjustment have also been removed. These adjustments may have appeared on a prior statement ; if not, they will appear on your next statement. Please read the information in the Promotional Purchase Summary section of your next billing statement as it will show an adjustment of promotional financing, if applicable, to your disputed transaction and will contain further detailed information '' Payments made towards the disputed promotional financing have still not been returned. The last statement shows of the XXXX original, XXXX had been paid in total.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items listed to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about to whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have called on multiple occasions to state that I can demonstrate that I qualified for promotional credit and miles. Each time I get a letter essentially stating " no you didn't '' without any way to respond other than calling again and repeating the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX I was not late in any payment XX/XX/2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
Product: Student loan

To whom  it may con cern : I,  XXXX   XXXX , am filing a complaint aga inst Navient. Navient sent me to collections regarding my student loans without any written communication that I had any outstanding loans from them. I received one phone call at which time I provided my correct mailing address so that I could receive proper documentation regarding any payment plans for my loans. Shortly after the phone call, my credit score droppe d over  XXXX  points bringing me from  Excellent to a Poor Score.      I have been faithfully paying my loans to other service providers such as  XXXX   XXXX  who have been in consistent communication with me both verbal and written. They have provided me with documentation and options available for payment. I am very concerned that another service loan provider would not provide the same fair and appropriate contact.     As a re  sult, Navient has crippled my ability to apply for any rental properties and also the impending exciting opportunity of owning a home.
I am happy to set up a payment plan thought I feel I have been improperly treated by Navient and would like them to reach out to these credit agencies and reverse these outstanding charges.
I took out loans for both my   XXXX   and  XXXX  degrees and am grateful that I had the opportunity to borrow funding while I obtained my higher education. Navient however with their negligible communication is jeopardizing the future I 've worked very hard to set for myself and my family.
Any help you could provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.