23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been in contact with ( XXXX XXXX XXXX ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. XXXX XXXX XXXX agreed to remove debt from my credit report as of XX/XX/XXXX.  This action has still not been done. i have called into XXXX XXXX XXXX on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : Pendrick capital partners Original creditor XXXX XXXX is still showing from the collection company XXXX XXXX XXXX.
Product: Debt collection

In pursuance of 15 U.S. Code 1692e - False or misleading representations : A debt collector is restricted from using any false, deceptive, or misleading representation or tactics in the course of debt collection. This includes making false claims or creating implications, such as falsely stating that an individual is an attorney or that a communication is from a legal representative.

Moreover, in pursuance of 15 U.S. Code 1692
a - Definitions : It's important to note that the term " debt collector '' excludes any individual engaged in serving or attempting to serve legal process on another person as part of the judicial enforcement of a debt.
Product: Credit reporting

XXXX XXXX Account 1. The Activity Designator Is NA - And should be PAID and CLOSED 2. The Pay History is inaccurate, and was updated when the Activity Designator was set to NA - and space filled through that month. 
3. There is a Payment XX/XX/XXXX, because THE Activity Designator was changed - on this date. It is Wholly Inaccurate.. 
XXXX. The Pay History during the actual time this account was open - is missing. XX/XX/XXXX though XX/XX/XXXX. 

Please verify the account, correct the Pay History and correct the Activity Designator - OR Delete this inaccurate, and then incomplete Tradeline.
Product: Credit card or prepaid card

On XX/XX/2023 XXXX, I received the notification about an unrecognized transaction in the amount of {$1300.00} by Apple Store online and will be pick up in the store. At XXXX, I reached out to the Goldman Sachs Apple card support team and told them about this. The specialist put on dispute for me and replaced my card. That's all they did. Few days later, the purchased item, which was an XXXX XXXX XXXX XXXX deep purple XXXX was picked up by someone ( using my identity ). 

After two months ( XX/XX/2023 ), I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name, address, and billing address ). The person used guest checkout, and I didn't even realize what item was purchased until I saw the report. Of course it would show MY INFORMATION because this person stole my personal information and impersonated me. I tried to dispute again and hoping that they would do further investigation on it to prove that I didn't make the purchase, but they didn't and the bill came again after two months ( XX/XX/2023 ). They could of checked the store surveillance camera to see who really picked up the item or even see who is using that phone, which can definitely prove that it WAS NOT ME. Now they are saying that " it's been awhile and there's nothing much we can do. ", which is basically telling me that " we can't do anything, you have to take the responsibility on your own, and we don't care about you paying for something that YOU DID NOT PURCHASED. '' No other banks do that. 

If the Goldman Sachs support team did something to put " on hold '' to that transaction or notify the Apple employees about the transaction when I first reported that unrecognized purchase, so that they could be more cautious about checking IDs before giving the items out, nothing like this would of happened. I know that they just don't want to do the job. They just give you a solution by the report they see and gives all the stress to you. It's very unfair to me, and it's very disappointing for a loyal Apple user who has been using Apple products for over 10 years. I've NEVER had such hard time and difficulty on disputing before ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = Citibank NA XXXX XXXX = XXXX XXXX XXXX Citibank NA XXXX XXXX = XXXX. XXXX XXXX Citibank NA XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX
Product: Credit card

XX/XX/year>, I noticed a charge from a XXXX XXXX XXXX in my credit card. Transaction date XX/XX/year> with posted date XX/XX/year>? I called XXXX and they found no charges I did through them and I called XXXX XXXX XXXXXXXX and filed a dispute. The current card was shut down and a new card mail. On XX/XX/year>, I called back to get a tracking number and was told I withdrew claim? XXXX researched and found the fraud claim analysis closed claim and filed a new one under the card number at that time and a new card issued to me. I called back in XX/XX/year> XXXX I noticed the charge back on my card again {$540.00} and the bank fee of {$27.00} was removed on claim # XXXX. I called back again and told the claim denied but could not find out why. I called again on XX/XX/year>, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX I spoke to a supervisor in back department and she said the claim was denied bcuz it had been longer than XXXX days the transaction was done in XXXX and paid in XXXX She put in a rush research and have decision in XXXX days they would call. On XX/XX/year> and again on XX/XX/year> I called back and was told a letter would be mailed out with documents proving I did the charge and she could not file another claim nor was there anyone higher up that I could talk too but to wait on supporting documents! I have yet to received anything of suchto this date of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.
Product: Credit reporting, credit repair services, or other personal consumer reports

ihave unauthorized fraudulent inquiry on my credit report. I called the company as well as the credit bureaus and took proper steps as directed! months later still stuck with the fraudulent inquiry on my report. I exhausted my resources. ( this is not a credit repair company ( this not a credit repair company
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Student loan

My Teacher Loan Forgiveness application ( TLFA ), which Mohela had accepted for the requested sum of {$17.00}, XXXX, was sent to the Department of Education for discharge on XX/XX/year>, according to an official letter emailed to me by Mohela ( please see attached XXXX  ). When I called the Department of Education four weeks ago to inquire about my loan discharge status, I was told that none could be given to me and that I should contact my loan provider, Mohela. When I contacted Mohela again, they informed me that it takes 90 business days for the Department of Education to give its final approval for the discharge of student loans, starting from the date Mohela sent them the letter. Mohela told me that the 90 Business Days would expire on XX/XX/XXXX in response to my request for a specific date. When I called Mohela again on XX/XX/XXXX, all I got was that " the department of education is running behind '' and " it will take us an additional 90 days from the time we receive the Department of Education 's approval to discharge the loan ''. Mohela continues to unduly burden me each month with accruing interest on a loan that should have been partially discharged months ago. Please save me from this blatant tyranny.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX - Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Reporting fraudulent information. Amount owed, date opened. Account age, collection payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters reporting inaccurate and unspecified items on my credit report. On XX/XX/2021, I again sent letters in regards to the items being displayed on my credit report. On XX/XX/2021, in a finally attempt to reach someone I sent another letter regarding these inaccuracies. It has been well over 60 days and I have not heard anything or received any information regarding my investigation into my credit report. I wish to have these items removed as soon as possible as I am in the process of filing litigation.
Product: Consumer Loan

I got a loan from Gurantee loans years ago, I never misssed one payment or was late, so come to my surprise this morning I check my credit report and it says I missed multiple payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Student loan

XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.
Product: Credit reporting or other personal consumer reports

These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) Coaf pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my creditXX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX 's XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled credit XX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
Product: Credit reporting or other personal consumer reports

Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in XXXX
Product: Credit reporting or other personal consumer reports

My credit report has inaccurate and false information that I dont recognize on my credit report. These accounts below are hurting my ability to obtain credit. XXXX and XXXX removed these accounts below immediately upon my request. Transunion hasnt been helpful into investigating into my issues. Its been over 2 months. I would like for these accounts to be removed within 4 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried linking my bank account and it would not allow me
Product: Student loan

I have been trying to locate two pieces of information with no luck : 1. My Pell Grant history and 2. My original loan documents ( MPNs ) for all the student loans that were consolidated. 

I cant locate any information.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments to XXXX XXXX XXXXXXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Accounts : 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  NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the accounts referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

Needed a quick loan, so I reach out to a loan thing on the internet, filled out my information then the next day my account plus saving was gone! My bank want me to file a police report in Oder to reopen my case
Product: Debt collection

I bought a car from Exeter Finance that was repossessed and I settled the debt with a third party as they promised to remove the hard inquiry after the settlement which has not happened yet. I need the inquiry to be removed immediately due to an unfulfilled promise. 
The inquiry in my credit should be deleted due to the fact that I've paid the remainder of what I owed on the car with a third-party debt collector to which Exeter Finance has sold the debt.
Product: Debt collection

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being XX/XX/XXXX. There's a balance on my consumer report of {$900.00}. I've continued to ask the company for an investigation of how they collected my info which they never sent proper documentation. This has caused so much frustration & hardship upon me. I was just XX/XX/XXXXXX/XX/XXXXXXXX of last year & I'm trying to get my life back on track.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} through Zelle and accidentally sent it to the wrong person and i wasnt able to get my money back