23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX  XXXX on XX/XX/2019 and purchased a red leather love seat.financing was to be thru XXXX ... .i paid {$49.00} down .... 
I changed my mind..and called the furniture store and Cancelled ... On.XX/XX/2019 The day of delivery ... a truck driver called to confirm .... 
I wasn't at home and told him ... i had cancelled .... 
One week later ... XXXX XXXX..called for the first payment .... 

I told them ... I did not take delivery of the couch..and I'm not paying NOTHING I don't have ... 

They started calling weekly ... so I visited the furniture store ... He refused to show the signed delivery receipt ... .So I wrote out a formal cancellation letter and letter ... 

Now they are reporting late payments on my credit report .... 

I want them removed from my EQUIFAX account i subsquently bought a loveseat from XXXX XXXX ... ..
Product: Debt collection

I have received endless communication from the Law Office of Brett M. Borland , P.C . ( XXXX XXXX XXXX XXXX, GA XXXX ) regarding a debt that does not exist. They continue to note that they are acting on behalf of XXXX XXXX XXXX, in XXXX XXXX, FL, which is my previous residence. I have communicated to the law office on multiple occasions that there is no debt. XXXX XXXX XXXX also confirmed to me that there is no outstanding debt. 

This organization has no cause for contacting me, yet regular demands that I pay them almost {$600.00}.
Product: Credit card

I made a payment on XX/XX/XXXX  Barclay 's said it was stopped payment on XX/XX/XXXX  I spoke to my bank, a payment never was requested by them, therefore there was not a stop payment made. We informed the manager, the bank was on the call with me, they refuse to refund the XXXX they charged even after showing proof, the payment was never requested by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Capitol one ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

On XX/XX/2019 I pulled my XXXX, XXXX and XXXX   credit reports and I noticed a collection that I was not privy to having. I immediately typed up and signed a letter and sent it to NCB Management Services , Inc. requesting that they send me a validation letter that included a breakdown of the debt that they are stating that I owe, I aslo attached a copy of my Driver 's License and Social Security Card. I requested that they send me : What the money they said I owe was for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that showed I agreed to pay what they said I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with their license numbers and Registered Agent or Agent of Service : According to the Fair Credit Reporting Act I am well within my limits to request validation from them, I did not receive a response. On XX/XX/2019 I sent NCB Management Services, Inc a 2nd letter requesting validation. On XX/XX/2019 I received a letter from them stating that " after conducting an investigation, we have been unable to substantiate the allegations in your dispute ''. 

According to the Fair Credit Reporting Act, NCB Management Services , Inc. are required to send me proper validation that I owe the debt that they are stating that I owe and as of yet I have not received anything of that nature and I am looking into pursuing legal action towards them. So today, which is XX/XX/2019 I am sending yet another letter which will be my THIRD letter asking them to validate the debt that they are stating I owe!!!!! 

It is unfair that a collection agency is reporting that I owe a debt to the 3 credit reporting agencies and I am not aware of the debt but they will not take the time to send me proper validation. This collection is drastically hurting my credit and limiting me from buying a house, apply for credit and providing a stable living situation for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Transunion concerning a student loan that was reported 90 days late. I provided documentation provided by the creditor that showed the account as having been current for the past three years. The account was never late during the time disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The creditor provided three separate lines of credit, two of which were reported as late. On XX/XX/XXXX, I was informed by Transunion that the investigation had been completed, but when I checked my credit online, only one of the two disputed lines under the same account number had shown as " current '', and the one that was now current and had been reported as late, still showed a missed payment in XXXX which is not correct. I was negotiating to purchase a car under a limited time offer by the State of California 's vehicle retirement program that would provide a down payment towards the purchase of a newer vehicle. That offer would expire XX/XX/XXXX. I had no additional time to wait as another dispute would take 30 days. Therefore, when the Transunion score came back as XXXX, but my XXXX and XXXX  scores showed a corrected report of XXXX after only 24 days since filing the dispute, I was only offered a rate of 7.99 % APR and had no choice but to accept. Transunion 's error and failure to correct the report within 30 days has resulted in an added cost of potentially more than a thousand dollars on this loan. I have asked the new creditor to check the Transunion score as of today, XX/XX/XXXX and provide a lower interest rate based on the corrected information, but they are under no obligation to do so.
Product: Debt collection

Fell into hard times and wasnt able to pay off this {$500.00} loan. I got 5 calls back to back while at work and tried to call and understand what was going on. My dad had gotten a call that I was going to be arrested! I asked what was going on and the guy on the phone wanted to get my credit card number or they were coming right now to serve me papers at work. I didnt even realize this was a payday loan I hadnt paid yet! I asked why not at home? I live XXXX minutes from Sherriffs office and work is XXXXmin away. They just kept pressing making the payment right then and there even though I asked if they could call back after I got off and they said no! I also received 4 voicemails threatening to arrest me at my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting wrong should be discharged though bankrupcy from penfed 3 accounts. If not fix i am going though legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXl ; XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
Product: Vehicle loan or lease

On XXXX a payoff check was sent to Carvana/XXXX in the amount of {$67000.00} matching the payoff quote given to me by Carvana/XXXX on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by Carvana/XXXX on XXXX as indicated by my online portal at XXXX. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by Carvana/XXXX after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Carvana/XXXX in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Carvana/XXXX  after the payoff and that was cashed by Carvana/XXXX. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Carvana/XXXX. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling CarvanaXXXX at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full. 

Additionally, they informed me that there was no time frame upon which they will release the title to the vehicle.
Product: Credit reporting or other personal consumer reports

I reviewed my comsumer reports and noticed that I had XXXX late payment on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.
Product: Student loan

I am currently approximately 96 qualifying payments into PSLF and on an income-based repayment plan. I read on the federal student aid website that I could recertify my income without recalculating my monthly payment. I selected that option and sent a recertification application ; however, I noticed that my payment was recalculated and increased significantly. Additionally, MOHELA says that I will begin paying the much larger amount after XX/XX/XXXX, even though the federal student loan website clearly stated that recalculated income-based repayment would not go into effect until one year from the recertification date ( if before XX/XX/XXXX ). 

Additionally, I made a payment in XXXX, during the payment pause. 

I have tried to contact MOHELA about this, but on the rare event that I make it through the 3+ hour wait, they say they don't have information from XXXX more than a month after the loan was transferred. 

I need to have these issues clarified before payments resume in XXXX or it could cost me thousands.
Product: Debt or credit management

To Whom It May Concern, I am reaching out in desperation because my wages are being garnished, and it has made it nearly impossible to provide for my family. Every paycheck, a large portion is taken, leaving me struggling to cover even the most basic necessitiesrent, food, and utilities. The weight of this debt is crushing, and I feel like I am drowning with no way out. I work hard every day, but no matter how much I try, I cant seem to catch up. My family is suffering, and I am pleading for any help or consideration that can ease this burden. If there is any way to adjust the garnishment, settle the debt, or find an alternative solution, I would be deeply grateful. Please, I just want to take care of my family and rebuild my life.
Product: Credit reporting

I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies.
Product: Debt collection

Dear National Credit Management, account # XXXX This letter is a formal demand that you immediately cease and desist all communications with me in any form, including but not limited to reporting or updating any information to my credit reports. Reporting to credit bureaus is considered a form of communication under applicable laws, and I am invoking my rights to end all such contact. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the legal right to demand that you cease all communication with me regarding the alleged debt. This demand includes, but is not limited to, phone calls, letters, emails, or any electronic or physical means, as well as indirect communications through credit reporting. 

Your continued reporting to credit bureaus constitutes an attempt to communicate regarding the alleged debt and violates my explicit request for no further contact. If you fail to comply with this request, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and any applicable state agencies. 

I also request that you confirm in writing within ten ( 10 ) business days that : You will cease and desist all communications with me, including credit reporting or updating existing credit entries. 
You will not sell, transfer, or assign this alleged debt to any other entity for collection purposes or further reporting. 
Failure to comply with this demand will leave me no choice but to escalate this matter further. Additionally, I reserve the right to seek damages for any violations of the FDCPA or other applicable laws. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I received correspondence from ATG Credit LLC, alleging a debt of {$6100.00} purportedly owed to XXXX XXXX, a entity now under the ownership of ATG Credit LLC. Following this assertion, I promptly initiated a dispute, seeking both a documented agreement and thorough debt verification. In response, ATG Credit LLC forwarded a copy of a bill submitted to my insurance. 

I communicated to ATG Credit LLC that I possess no familiarity with XXXX  XXXX and have never granted consent to engage with their services. Despite this, ATG Credit LLC insisted that the incurred lab work was initiated by my Primary Care Physician ( PCP ). Notably, the bill attributes the request to a doctor who has never served as my PCP. 

Regrettably, ATG Credit LLC continues to demand payment for a debt I assert is neither valid nor legitimate, accompanied by a forewarning that my account shall persist in an unpaid and delinquent status. Subsequent investigations have brought to light a concerning pattern wherein numerous individuals have reported unexpected medical debts from ATG Credit, all associated with XXXX XXXX entity notorious for its involvement in medical fraud. 

This situation not only raises serious questions regarding the legitimacy of the debt in question but also casts doubt on the practices of ATG Credit LLC in conjunction with XXXX XXXX. I am steadfast in my stance that the purported debt is fraudulent, and I anticipate a prompt resolution to rectify this erroneous claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX THEY ADDED A LATE PAYMENT ON MY ACCOUNT THEN REMOVED IT THEN PUT IT BACK ON THERE AFTER I ASKED THEM TO DELETE THE ALLEGED LATE PAYMENT. I HAVE PROOF THAT IT WAS REMOVED BECAUSE MY SCORE WENT US XXXX POINTS THEN 5 DAYS LATER WITHOUT NOTICE THEY REINSERTED THE LATE PAYMENT WITHOUT GIVING ME A NOTICE. 


I am writing to formally dispute the reinsertion of a negative debt item on my credit report that had previously been removed. This action has not only negatively impacted my credit score but has also been executed without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, if any information is reinserted in a consumer 's credit report, the credit reporting agency ( CRA ) must notify the consumer in writing within five business days. This notification must include the date of reinsertion, the nature of the information reinserted, and a statement that the CRA will provide the consumer with a free credit report upon request. I have not received any such notification, which is a clear violation of my rights under the FCRA.

Prior to the reinsertion of this negative debt, there was no evidence provided to me that verified the accuracy of this debt. Under FCRA Section 611 ( a ) ( 6 ) ( A ) ( i ), any item that has been removed after a dispute and is later reinserted must be accompanied by a certification of accuracy from the information furnisher. I request that you provide me with this certification, as my rights have been infringed upon due to its absence. In accordance with FCRA Section 611 ( a ) ( 7 ), I am entitled to request the method of verification for the disputed item. Given that this debt has been reinserted without my knowledge or any prior notification, I hereby request a detailed description of how the debt was verified, including the name, address, and phone number of each person who confirmed the accuracy of this debt. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX Account Number : XXXX  I WAS NEVER LATE ON THIS ACCOUNT AND THIS ALLEGED LATE PAYMENT WAS DELETED AND REINSERTED WITHOUT PROPER NOTIFICATION I DEMAND THEY REMOVE THIS ALLEDGED LATE PAYMENT IMMEDIATLEY FROM MY CONSUMER REPORT I HAVE PROOF WITH MY SCORE BEING AT A XXXX AFTER THE REMOVED THE LATE PAYMENT THE FIRST TIME. I HAVE NEW EVIDENCE AND I DEMAND BOTH COMPAINES TO REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT.
Product: Debt collection

I had this account with this company they call me harass and they keep pointing on my credit no matter how much I dispute it I need you to stop using my information and delete my credit, I also ordered them to send a confirmation that I sign something with them and I do not receive a response they bought my information breaking my rights they are charging me {$1000.00} CREDIT COLLECTION SERVIC
Product: Credit reporting or other personal consumer reports

I contacted Credit Acceptance by certified mail requesting to send me all original documents of account number XXXX after noticing information that is being report that should not be. They told me that everything that they are reporting was in the contract that the consumer signed but after asking for the documents they have not responded in over 30 days to get this resolved. This has cause a lot of damage to my credit and time. I ask them to send me every party involved in the contract but they refused to tell me anything about what they are doing on my credit report. Their practices are not aligning with the law. There are many violations that has caught my attention due to their reporting practices, also violations with the affiliated dealership in a credit transaction. This is the second time Credit Acceptance has failed to respond to my investigation. There was a discharge letter sent the first time they failed to respond to my letter, but they sent a letter back saying the account will remain open after looking into the account file. I responded with a request of the documents and they have fail to respond again within 30 days and did not receive the return receipt from the last letter but it was delivered.
Product: Credit reporting or other personal consumer reports

Please Delete this inquiry XXXX XX/XX/year> done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXXt. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history.

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.