23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was seen at XXXX XXXX XXXX who sent off a XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, I myself paid my bill at XXXX XXXX XXXX on XX/XX/XXXX but XXXX XXXX failed to send me my bill for the XXXX XXXX. I did not know anything about the XXXX bill so they decided to send it to SCA Collections in XXXX of XXXX. I have just now found out about this in XXXX XXXX when my bank ran my credit for me in order to do a car loan. I immediately called SCA Collections on XX/XX/XXXX and asked what my collection was about and why I never received anything in the mail, they informed me to call XXXX XXXX ( when I did they originally had my address wrong along with the spelling of my name ) I then called SCA back and they also had the wrong address and name. By that time I called XXXX XXXX back to see if they could figure out anything for me and they told me they do not keep records in there facility and that they would have to do more research and contact me back. I took a day or two to see what they found out and they told me they could not give me information other than the fact I was seen in their office and the lab was sent off. I called XXXX XXXX back and asked them once again why I did n't receive a bill and they told me they had sent bills out from XXXX XXXX to XXXX XXXX, once again I informed them I had never received a bill. After going back and forth with both facilities I decided to call SCA to see if I paid the bill if it would come off my credit and they have stated that I would have to wait 30 days. I am not willing to wait 30 days for something I never knew about so I called XXXX XXXX back and gave them the information where I paid off the Collection Agency and asked if they could call their collectors to get it off, they rudely informed me there was nothing they could do and that it would take 60-90 days before anything could be done ( Does n't add up to the collection agency saying 30 days ). None of these companies have been willing to help me out knowing I have never received any statements or phone calls about having a debt.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX under XXXX U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am listing fraudulent inquiry from my Transunion Credit Report. XXXX XXXXXXXX XX/XX/scrub>/2025. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. Experian, XXXX and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX # XXXX. The XXXX  account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my XXXX  identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.
Product: Student loan

As I am so the victim of circumstance of a transferred promissery note, I should be considered for loan forgiveness due to the recent Navient lawsuit. 

Per what I have read on the matter, as part of the agreement, Navient vowed to erase {$1.00} billion of subprime private student loans that its predecessor, XXXX XXXX, gave to students who attended for-profit schools, many of whom had low credit scores. Many of these schools have now shuttered their doors. 

You must have borrowed a private student loan from Navient or its predecessor, XXXX XXXX, between XXXX XXXX XXXX  while, of which I did, attending certain for-profit school such as XXXX XXXX XXXXXXXX XXXX 

And speaking of XXXX XXXX  XXXX, On XX/XX/XXXX an absolutely massive settlement between XXXX XXXX XXXX and the Federal Trade Commission was finally settled, under which XXXX agreed to provide {$140.00} XXXX in student loan forgiveness benefits to former students still on the hook with outstanding Federal student debt. 

This lawsuit stems from the same accusations Ive been tracking here for years, that XXXX committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring its courses and lessons specifically to help students land those jobs. 

In reality, the FTC found that many XXXX students graduated with poor job prospects, very little actual support from XXXX, and tons of student loans that they were on the hook for, but which they were having trouble paying off. 

Allegedly, XXXX also apparently purposefully targeted their marketing campaigns at XXXX XXXX XXXX, myself included, thus making me a again a victim by scandalous means. 

At last checked Naviant has created some type of double entry on my credit report showing that I owe twice as much as I should. If my loans were prior federal I should have been a part of the government for parents issued by president Biden. Yet XXXX 's showing link that I am past due for over several months making my credit rating plummet to the 4 hundreds. I am not able to refinance my home or purchase a car at a decent rate that I may maintain some standard of livelihood.

Henceforth, As a victim of circumstance, I respectfully request that my loans be reviewed while in forbearance, and my credit report brought current for the Navient lawsuit forgiveness as well as the University of XXXX XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX DELETE this account. XXXX XXXXXXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. DELETE this account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Reinserted Item on Credit Report Acct # XXXX XXXX Account Number : XXXX I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XX/XX/year>, please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report on XX/XX/year> This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it. FCRA Section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it. FCRA Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days. The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Im opening this complaint because Im having an issue with my XXXX   XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX   when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple letter to XXXX and Equifax to dispute multiple hard inquiries on my report dating back to XX/XX/2022 from multiple car dealerships I did not authorize or give permission for any of those dealerships to run my credit. I have called every month since XXXX of XXXX  and both credit bureaus have not tooken action. I have also contacted those dealerships and companies to report what was happening and now as of todays date XXXX nothing has been removed from my credit report so I am filing a complaint
Product: Credit card

XX/XX/year> signed up for Capital One " Walmart Card '' offering 5 % Reward for online purchases, and for in-store purchases for 12 months Attempts to use Walmart Pay app to pay for purchase at local Walmart failed Customer service said " credit card was declined '' Called Capital One who said they had terminated arrangement with Walmart Asked about reward using replacement " XXXX '' card & told 1.5 % reward max.

Spoke with Walmart, who said " sorry, nothing we can/will do '' Walmart suggested One Financial card with ( much ) lower reward % rate I feel that I've been subjected to a bait-and-switch re original CC offer by Capital One ( and co-marketed by Walmart at that time )
Product: Mortgage

Chase Bank continues to practice unfair, deceptive, abusive acts and business practices by failing to comply with Regulation X. 

Chase Bank sent a Request for Mortgage Assistance form dated XXXX XXXX, 2016 that was received from XXXX on XXXX/XXXX/2016. The Request form was forwarded to my attorney. 
The letter stated that the forms needed to be returned by XXXX XXXX, 2016. ( 39 days prior to a foreclosure sale ) Regulation X requires servicers to maintain policies and procedures reasonably designed to achieve specific objectives that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ), ( b ). 

Chase failed to provide accurate and timely information and documents in compliance with the servicing rules that provide a borrower with accurate and timely information and documents in response to the borrower 's requests for information with respect to the borrower 's mortgage loan. 

Chase continues to abuse their customers by keeping them in the dark about available options to avoid foreclosures. Chase delivered the forms and requested the return of the documents on XXXX XXXX, less than 45 days before the foreclosure sale to avoid notifying the borrower that a loss mitigation application was received and proceed with a foreclosure sale on XXXX XXXX, 2016. 

Servicing rules now require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law were violated by equifax, XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports. 
( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy. 

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion equifax and experian stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by XXXX, equifax and XXXX and i also demand a deletion
Product: Credit card

I have requested and itemized statement from Sears ( Citicorp ) several times from the starting of the account to the present. We still have not received an itemized statement. We want to determine why the balance is so high. Every rep. we have contacted at Sears has given us a different answer from they can not send us an itemized statement to they are sending one out. As stated above we still have not received on.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from SunTrust Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
SunTrust provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, Truist Bank mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my XXXX credit report, SunTrust is showing a open balance amount of {$41000.00}. Since SunTrust merged with Truist Bank and the last document I received was from Truist I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at Truist at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that Truist reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my XXXX account with no resolution from Truist Bank.
Product: Credit reporting or other personal consumer reports

I don't comprehend why I have to repeatedly file complaints regarding an issue that the creditors assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. XXXX XXXX XXXX, XXXX XXXX XXXX NA XXXX, and XXXX XXXX XXXX XXXX.