23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.
Product: Student loan

I paid edFinancial {$62000.00} in a loan refinance. They cashed the check but did not apply all of the money to my account. There is still {$3300.00} missing from my account. I tried to remedy this, but there is a 150 day wait to process my request. It is absolutely criminal that they cashed my check, and are holding onto the money for 150 days before applying it to my account. Customer service also will not give me any information on where my request stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAN DIEGO COUNTY CRE Last reported XX/XX/XXXX {$340.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX  Monthly payment -- Opened XX/XX/XXXX ( 6 yrs, 1 mos ) Term
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to check my credit reports a couple times a year to be sure they are correct. Noticed over 2 years ago company under third party I never heard of on my report. Sent notice to Transunion and request to remove. Not only did I not know the company but the info was over 12 years old. Transunion has locked me out of my account for over 2 years now stating they can't verify. I got in 1 time through your yearly credit report and they locked me out again. Don't know what is going on with them but apparently I am not the only person they have done this to. I can't check for errors like they had on my report if I can't get in. They whole third party was weird and I think someone at Transunion may be connected to them and that is why they are doing it.
Product: Debt collection

its like a {$2000.00} charge on Synchrony Bank which ive never opened any account with and have disputed with them several times they just dont care and never continue with the dispute
Product: Debt collection

Lexington law will only do certain small little concerns to remove off your credit not nothing else that was big and those was the ones calling as the debt collector
Product: Payday loan, title loan, or personal loan

Loan for {$3400.00} XX/XX/XXXX. Agreed to pay XXXX bi weekly to pay it off. I called the the company XX/XX/XXXX ( 8 mos later ) to see how much I had left to pay on it.

The net credit rep said you have only paid {$

120.00} towards the loan balance. I thought this cant be mathematically correct. {$170.00} x 9 = {$1600.00} After giving them {$1600.00}, they have only applied {$120.00} towards the principal and my balance as of today is now {$3100.00}. ( Year later ) The rep said only {$5.00} - {$7.00} out of {$89.00} goes to the principal. That was how it was explained initially ibecause the first payment I made {$35.00} was applied to the principal then each payment thereafter dropped to {$5.00} dollars per payment. This is a scam and was meant to deceive. 

Please help me! 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : 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.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have a collection account on my file from a collection agency named XXXX XXXX XXXX, the accounts are as follow, XXXX. Please be advised that I am disputing this collection due to the fact that XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX does not currently have a valid license in Texas to collect on debts. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical that XXXX XXXX XXXX are licensed in Texas. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquire on my credit report XXXX XXXX XX/XX/2023. I did not apply for any new credit with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained regarding Equifax about my credit score misinformation in XX/XX/2023 by you as complaint XXXX and Equifax has answered to solve my complaint within 60 days but yet not solved my complaint after such 60 days passed and yet not answered me. Please do needful for my problem. 
Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other AKA are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00XXXX XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Product: Checking or savings account

I have a business checking account with Truist. It has {$1.00} balance. I couldn't transfer it using XXXX or XXXX. I want to close the account. On or about XXXX XX/XX/2023 I chatted with XXXX to close the account but he is not willing to do so. Instead XXXX stated that go to the bank branch or send a postal mail. I insisted on closing this account by chat but he said that he couldn't
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX This account does not belong to me. 

XXXX XXXXXXXX XXXX  Account Number XXXX This this should be removed from my credit report, it's been past 7 years! 

XXXX XXXX XXXXXXXX Account Number XXXX This does not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account Number XXXX Section 1026.10 ( A ) Does not require the creditor to post the payments to the consumer 's account on a particular date. The creditor is only required to credit the payment as of the date of the receipt. Meaning, the creditor can only report payments on date of the receipt, not before or not AFTER!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the debt validation request I submitted last month regarding this specific account. As previously stated, I do not recognize this debt. I have already provided the necessary documentation supporting my dispute for the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a few times to correct this issue with Transunion. Most recently a dispute on XX/XX/2018. Regarding incorrect information on the birth date showing on the credit report. I have sent them information trying to correct this matter. Sending documents as proof of the correct birth date.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX of 2024 XXXX XXXX of 2024 i sent a letter i filed a dispute and made many phone calls to all three xompanys
Product: Debt collection

XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.
Product: Debt collection

I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on  XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX
Product: Checking or savings account

I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.
Product: Credit card

XX/XX/XXXX noticed a charge for {$3400.00} for airline tickets I didnt purchase they were purchased XX/XX/XXXX to fly on XX/XX/XXXX, I was at work on those days, so called Citi bank XXXX put it under investigation and removed the amount from my account. 
The next thing I noticed on my XXXX account is the {$3400.00} had been reversed and added.to my balance. 
I did call XXXX XXXX and they couldnt help, then Citi bank who told me the dispute was completed and the amount for the airlines was for me to pay. 
After going on line today I found the Citi bank messages section not easy to find and I should have completed and signed a letter by XX/XX/XXXX, and the response from XXXX XXXX which I dont understand. 
What can I do now I feel as if Im going to be left with this money to pay which I cant afford.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Debt collection

Reference : XXXX ( www.easternaccounts.com ) Greetings, good morning. 

I come to you for help since the XXXX XXXX people will not let me live in the peace that I need as a XXXX senior citizen. 

On XX/XX/XXXX of last year I moved to this community looking for the peace that I did not have in XXXX XXXX. 

I called XXXX to get cable and internet. Before doing so, I asked some neighbors what Wifi signal worked well in this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

They recommended XXXX. I called and they immediately opened my account # XXXX. The next day I had the mandatory installation equipment delivered to my apartment door by XXXX. 

From the same day I called I had a fast signal on my cell phone ( XXXX XXXX XXXX ). 

It wasn't a week later when I called them complaining that my cell phone signal was too poor. 
Then, they told me that they would transfer me to XXXX. Then, I told them that I had not done business with XXXX, that it was with them. They told me that the signal in this community was poor. The next day I had XXXX equipment at my apartment door. 

And there began the second part of my agony with these intransigent and insensitive people. They started charging me for the first month of the poor service I had for a couple of days. I have evidence in my possession ( Available at your request ) that shows that since XXXX of last year it has been a tireless struggle with these people. 

In every collection call for not delivering their XXXX equipment I explain to them that I live alone, I am an old man who can hardly walk and I have no means of transportation either. In each of these calls either made by me or by them, they can't understand how they themselves have transferred me to the competition. 

The thing is that to end the long story for the moment in the last call I was told that the next day XXXX people would come to pick up the equipment. It's been over a month now and the last thing I received a few days ago is a collection letter from Eastern Account System of Connecticut , Inc . 
In this letter they are threatening me that I have until XX/XX/2023 to pay the bill. I have been taking care of my credit for decades and maintain an empirical of about XXXX. 

ISN'T IT STRANGE THAT XXXX XXXX OPENED AN ACCOUNT FOR ME WITHOUT ME APPLYING FOR IT WITH THEIR COMPETITOR? 

I hope you can help me continue to keep my credit spotless and can do a thorough investigation into this strange occurrence.
Product: Credit card or prepaid card

Barclay took over credit from XXXX for the XXXX XXXX XXXX. Barclay issued a new card that I never activated ( ending in XXXX ). I received a bill for what they said was a balance transfer to that card. I pay all of my credit cards in full each month, and I have never done a balance transfer. After hours of trying to get this corrected/removed over the phone, they put the dispute into " investigation ''. They could never supply any documentation to support a " balance transfer '' done by me. On XX/XX/XXXX, Barclay confirmed in a letter to me that the fraud investigation had been completed, and they had determined that I was NOT responsible for the fraudulent activity. Then, they opened another account in my name ( ending on XXXX ) and transferred the previously disputed balance to it ( the balance they had already confirmed " fraudulent '' in writing ). Then, in another letter on XX/XX/XXXX, they claimed that the activity was valid because they did not receive the requested documentation to support my claim.????? Now, after another hour on the phone with them on XX/XX/XXXX, they are sending me statements ( period XX/XX/XXXX - XX/XX/XXXX ) with late fees and finance charges, and I must assume they are damaging my impeccable credit score in the process. This is despicable, and I do not know what to do or who to turn to for help/remedy. I read Barclay 's reviews on-line ( 1 out of 5 stars with over 400 reviews ), and many people are experiencing this same frustration.
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 XXXX : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.