23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Threated to take legal action again after the case is closed. 
I was sued by Midland Funding company on XXXX/XXXX/XXXX and went to court and talked to their lawyer XXXX XXXX, and XXXX XXXX and agreed to pay {$150.00} per month until the debt is satisfied. I made my monthly payments for 3 months in a row and then I received a letter in the mail asking to call. I called and spoke to XXXX XXXX and he told me that {$150.00} is not longer the agreed amount and now they want {$300.00}. I told him I can not afford to pay {$300.00} a month. He than said that they would garnish my wages up to {$400.00}. He refused to work with me and kept telling me there was nothing I could do about this because it is all legal. XXXX. I have XXXX and was XXXX without work. This is why I got behind on my bills. XXXX said that getting a lawyer for myself would do nothing. He told me that I can do nothing about any of this. I either pay {$300.00} or they garnish my wages for around {$400.00} I also called Midland to get the date of the original debt and they told me I would need a letter stating that I am not represented by an attorney. The original debt was XX/XX/XXXX and Midland received the debt in XX/XX/XXXX. Why are they telling me I can not get an attorney and have not right to dispute anything that they want to do to me.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CR UNION Conventional real estate mortgage with account # XXXX opened on XX/XX/year> and a balance of {$290000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote several letter explaining to the credit bureau that the accounts that I'm disputing are not my accounts and requested means of validation and I have yet to receive anything in writing with my signature tying me to these accounts.
Product: Bank account or service

Upromise, a service run by XXXX, promises cash back when you use certain services via links from their website. The cash back you earn from spending on upromise partner websites is transferred into your children 's XXXX college savings accounts. Overall it is a great service but last year I had a trip planned to New York and would be spending roughly a month in a XXXX. Upromise offered 5 % cash back if you booked from their site. I did book directly from Upromise 's website and stayed at the XXXX. Upromise has not honored my stay. I have provided receipts and I did book carefully from their website yet upromise has denied me the cash back which is roughly {$400.00}. This is a significant amount for my children 's education account. I am upset and feel that upromise has misrepresented their services. Can you please help me? I feel like I have rights here but I need help to fight XXXX. Thank you, XXXX
Product: Credit reporting

I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.
Product: Debt collection

I received a collection from healthcare receivables on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX XXXX. I am XXXX XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Product: Credit reporting

Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge.
Product: Debt collection

We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested a proper investigation 4 Times. Ive sent 4 certified, notarized letters, they have failed to comply. All that Im requesting is for proof that these unverified accounts and late payments are mine. I still havent received proper documentation supporting that these times are mine, they continue to send results back stating it was verified but wont provide proof showing how it was verified. I have also request numerous times for several unauthorized inquires to be removed from my credit and they have ignored my request and failed to comply
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting

I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4.XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.
Product: Credit card or prepaid card

My SS check was deposited I to my account on XX/XX/XXXX on XX/XX/XXXX I checked my balance which was {$10.00} I immediately contacted Direct Express. In between those 6 days I believe I might have purchased something for {$30.00}! It been a nightmare of me trying to contact them every XXXX weeks and having my claim denied then reopened because they said it was Pre Approved purchases which it wasnt, only pre approved would have been XXXX and I checked with them! About a month ago I called and they gave me a new authorization number and told me I would hear XXXX days and I never heard, I called Monday the XXXX and they told me they would try to send me the information online but I couldnt find it so I called back Tuesday the XXXX and asked to speak to a Supervisor and she told me my claim was closed and if I didnt agree to contact the local authorities which I did that day!
Product: Credit reporting or other personal consumer reports

My rights has been violated, for my transactions are reported as late on my consumer report without my permission, XXXX XXXX account number XXXX account XXXX XXXXXXXX XXXX  XXXX 19.182.030 Consumer reportCredit action not initiated by consumerExclusion by consumer.

( 1 ) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020 ( 1 ) ( c ) ( i ) in connection with a credit transaction that is not initiated by the consumer only if : ( a ) The consumer authorized the consumer reporting agency to provide the report to such a person; or ( b ) The consumer has not elected in accordance with subsection ( XXXX ) of this section to have the consumer 's name and address excluded from such transactions.
Product: Credit reporting or other personal consumer reports

XXXX Correction of Records Chief Executive XXXX XXXX XXXX President and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear XXXX XXXX : My name is XXXX XXXX XXXX and I am XXXX XXXX XXXX. My current address is : XXXX  XXXX XXXX, XXXX XXXX, XXXX, ME XXXX I left my last address with a Police Escourt as I was an Abused Senior, with developmental challenges and adjudication XXXX. I recieved an email alert for a change in my Experian file, and I recieved one recently from either Experian, XXXX, or XXXX explaining that my Social Security Number was found last month on the Dark Web.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX  they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/year> {$2200.00} was drawn from my account to pay a credit card in full from the Capital one 360 accounts I have. 

XX/XX/year> My monthly truck payment was not able to be paid because my accounts had all of a sudden been locked without any knowledge or calls to inform me. That truck payment is necessary to be timely due to a divorce in the supreme court and legally mandated. I was unable to use my money to pay it and accrued interest. Now I'm at risk for losing my vehicle now when I have over $ XXXX in my accounts. 

XX/XX/year> @ XXXX I called bank due to my access to my 7 accounts being locked. I have a supreme court ordered account and also a business account. I was concerned that I was never informed about any issues with my accounts nor told they were going to be locked. I had just processed a credit card payment for over XX/XX/year> @ XXXX - bank called me and hung up once i was being transferred XX/XX/year> @ XXXX - I called bank back & spent 1.5hrs on with Capital one 360. The manager told me I would not be abe to get my funds unless I went to a local branch. SHe was unable to locate a branch within XXXX miles. She told me my only options for accessing my $ XXXX in those 7 accounts would be to ask for a check but that takes 2 weeks. My business funds and supreme court ordered account were included in that amount. When I confirmed and repeated what she said " so youre telling me i can not pay my truck on time, I can not acces my funds with out a brach that you can not provide a locations, I'd have to wait 14 days for a check & i can not set up an account else where and have MY money transferred or consildated into a different bank. Is that correct? '' she said yes. I asked how that makes sense, that is my money and no one ( other than myself inquiring due to a late payment now ) had even call or informed me about this. She said we are no longer doing banking with you. How do I get my money out when my accounts are blocked. She said go to a local branch. I said the branch you can't seem to find within 150 miles? she said correct.
Product: Credit card

The company replied to my previous complaint XXXX with a factually incorrect statement. They also sent me a letter, Your Citi Inquiry - XXXX, with the same incorrect ( or deliberately misstated ) information on XX/XX/year>. I responded the next day, pointing out what was incorrect in their response, and providing, once again, the evidence for their initial discount promise. I have received no response, and no action has been taken. 

To quote my response, " The company responded with the information that was factually wrong. 1 ) the response contains the wrong price of the product ( {$990.00} was never the amount advertised by XXXX XXXX ) 2 ) a discount applied ( {$170.00} ) after the wrong delivery had nothing to do with the issue in hand 3 ) The ad contained the promise of {$100.00} discount when the purchase was {$300.00} or more ( and not XXXX as claimed by the company ) So the company managed to lie 3 times in a single response! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$590.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following student loan accounts XXXX XXXX XXXX and demand their immediate deletion from my credit report due toviolations of the Family Educational Rights and Privacy Act ( FERPA ) and improper handling of my personal and financial data. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. UnderFERPA ( 20 U.S.C. 1232g ), educational institutions and their affiliates are required to protect the privacy of student records. TRANSUNION and XXXX XXXX XXXX has failed to safeguard my personal and financial information, resulting in unauthorized disclosures and improper reporting. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, I don't understand how they usually say that these inquiries are mine, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.