23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.
Product: Student loan

Dealing with XXXX XXXX was a pain. They were never clear about how to pay and any time I said I could n't pay the rates they were asking for and mentioned a lower rate, they denied it. So I defaulted on my loans with them because I could n't afford their rates. Many times I got them the breakdown of my current income and financial status. We even started repayment plans a few times, but when my financial status changed and I was unable to make a payment they were unwilling to help me so I had to default again. They even contacted my employer once without my consent to hunt me down at work and lied about who they were when my boss answered. One time I made a payment plan with them but they never followed through. They have also changed my loan servers so many times that I lost track. My cosigner finally contacted them after finding out my loan was with Navient and settled the loan on a special deal they offered. Once he paid he received no confirmation or receipt from the company. We are hoping it went through and was actually applied to my debt. If I knew that it was this difficult to deal with XXXX XXXX and their private loans as an XXXX year old trying to attend college then I would 've found another way. It seemed to good to be true and has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX THIS COMPANY OBTAINED MY SOCIAL SECURITY NUMBER WITHOUT MY PERMISSION
Product: Credit card or prepaid card

I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX  credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago. 
I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse. 
They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application. 

I am happy to provide my credit report if needed. 

Thank you.
Product: Credit reporting or other personal consumer reports

Loans were dismissed by the department of education 2 years ago and loans were then transferred from XXXX XXXX to XXXX. I reached out to the department of education and they made arrangements to have my loans put into forbearance until loans are cleared but in the mean time they have accumulated over XXXX dollars worth of interest and my loans still havent been written off.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I noticed the following inaccurate entry ( ies ) or erroneous collections : [ XXXX XXXX XXXX {$3900.00} ] [ XXXX XXXX XXXX {$1600.00} ] [ XXXX XXXX XXXX {$2100.00} ] [ XXXX XXXX XXXXXXXX {$950.00} ] [ XXXX XXXX XXXX XXXX XXXX {$300.00} ] Pursuant to 15 U.S. Code 1681 ( o ), civil liability is applicable for negligent noncompliance. The reporting of inaccurate information on my credit file constitutes negligence and a failure to meet compliance standards under the FCRA. As a consumer, I have the right to ensure my credit report reflects accurate and verifiable information.

I request a thorough investigation into this matter and ask that you : 1. Provide verification of the accuracy of the information from the original creditor.

2. Remove or correct the disputed item ( s ) if you can not verify their accuracy.

3. Provide me with a written statement detailing the outcome of your investigation.

The inclusion of unverified or inaccurate information on my credit report has caused undue harm, including [ explain briefly, e.g., denial of credit, increased interest rates, emotional distress ]. I am prepared to escalate this matter further should this dispute not be resolved promptly and in compliance with the FCRA.

Please respond to this dispute within the 30-day timeframe as required by law. I expect the inaccurate information to be either verified, corrected, or removed from my credit file.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. Should you have any questions or require additional information, please feel free to contact me at the details listed above.

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

I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax, and XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( Acct # XXXX ) 2.Dept Of Ed-Opened XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX- Opened XXXX XXXX ( Acct # XXXX ) Its been well over 30 days. I still havent recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( a ) XXXX, Equifax, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. I explain to them in writing if you dont have the Original Agreement then I need an updated error free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian to have a old apartment rental removed. I just received notification the dispute is going to stay on my credit report and Experian has now extended the removal date for 3 more years. I moved out from the Apartment house XX/XX/2014, the account is only being reported on Experian
Product: Debt collection

On XX/XX/year> I received a call from XXXX XXXX XXXX, XXXX about account number XXXX which is a debt account from ChryslerRetail in which was already Paid and taken off of my credit report on XX/XX/year>. By my knowledge and understanding according to code 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( j ), ( m ). I understand that my consumer rights were violated due to the debt collecting agency having my personal information without my consent or hard copy signature written by I, personally. I dont want this company calling harassing me, emailing me, or sending me letters by mail. Any further attempts to contact me Id like to sue. By my personal information being sold illegally Id like to have this debt cleared or go to court to sue for XXXX XXXX a violation on this issue and further issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked experience to remove XXXX XXXX XXXX from my credit report and XXXX XXXX   XXXX it has been removed from other credit reporting agencies but not from experian
Product: Student loan

I originated a private student loan from Sallie Mae, that is now Navient. I have been unable to pay the company, they would not allow for any further deferrance or a forbearance, at the time. The debt has now been sent to collections. On two occasions, I have recieved information that people associated with family members, who are not a spouse of me or the cosigner, have been contacted by the company regarding the debt. I am not sure how the company got the information of these individuals because they are not involved with the debt, and were never listed as contacts or references on the loan.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are XXXX there is nothing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the the XXXX bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXXXXXX XXXX violation of consumer reporting I want item removed from my credit profile
Product: Checking or savings account

Trying to use XXXX XXXX and they say XXXX XXXX has placed a block on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$3100.00} comments : Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/2021 Hard inquires below XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded to Equifax Credit Information Services, LLC. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do  not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, depression, stress, insomnia, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT  intended to be used as a commercial account ( Information ).

See Attached Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.
Product: Checking or savings account

We received a check for XXXX from grandparents to help with some bills this holiday season as we have been struggling financially this month. While the banks are closed on the XXXX for the holiday we decided to go ahead and do a mobile deposit through our Chase app and figured it would be available in the next day or two, just as our previous deposits have. Yesterday ( XX/XX/XXXX ) I recieved a message from Chase stating a hold had been placed and funds would be available **XX/XX/XXXX** with no explanation. We decided to wait it out another day and see. Sure enough we woke up this morning ( XX/XX/XXXX ) and the check image was in the app just like others we have used the app to deposit before and it no longer said it was pending. But still the funds are not available with an ETA of XX/XX/XXXX. Still we wanted to give Chase the benefit of the doubt and wait a little longer. When XXXX XXXX  rolled around and the funds were still unavailable, I decided to call our local branch and see what was going on. After verifying our account information and recent transactions I was informed the check image was unavailable ( even though it very clearly shows up in the transaction record on our end ) and to check back tomorrow. So which is it, tomorrow or the XX/XX/XXXX? Never have we had such an issue using mobile deposit before, especially with our previous bank. In the meantime the utilities we were hoping to cover by now are now very past due and face being shut off. Thanks Chase. Happy Holidays.
Product: Credit card

CareCredit has determined that, unless I opt in to electronic statements, I will be charged {$1.00} every month for paper statements. This is a JUNK FEE and simply unacceptable. To ensure that I am forced into accepting electronic statements, they will not make electronic statements available to anyone who prefers paper statements. In other words, because I choose paper statements, I can not see my statements online. This is fine and should be enough. Now, to ensure that I am forced to accept only electronic statements, they have decided to rip me off. This is particularly problematic because CareCredit offers 0 % financing for XXXX months on purchases over {$200.00} - a feature I use regularly. I can avoid interest charges because I get my paper statement and can easily see when any balance needs to be paid off. This gambit of theirs will surely cause more of their customers to miss the deadline for payments without interest as statement notices get buried among the hundreds of emails their customers get every day- which means they will benefit not only from the fee but from all the deferred interest they will now be sure to gather. CareCredit should not be permitted to manipulate and gouge their customers in this way. I'm sure these fees will also hit the underprivileged and elderly hardest.
Product: Debt collection

On XX/XX/2019 received a letter in the mail from NCB Management Services Incorporated stating XXXX XXXX and XXXX XXXX has been purchased by them and I have a owed debt. To give them a call to resolve this account and they can offer payment options. The amount owed was {$2900.00}. I typed and signed a letter stating I did not owe nor had I ever opened a account with XXXX XXXX and XXXX and pusuant to the fair debt collection practices act I was respectfully wanting them to provide me with the amount of the debt, the name of the creditor, verification copies to whom this debt was owed, proof they are licensed to collect debts, proof of payments and when the account was opened. I stated I do not have any responsibility for the debt youre trying to collect. 
I sent this letter via usps with a certified and signature required mail on XX/XX/2019. 
On XX/XX/2019 I received a package in the mail with a letter from NCB and documents they provided of proof the debt. The information provided is not fully correct and this is a fraud debt. They sent a Elastic line if credit application, Assignment and Bill of Sale and a statement from XXXX XXXX and XXXX. I never have had a account with them nor does this show on my credit report. Information on the application is incorrect as my email, phone number, last employment, driver license number and bank information. I do not owe this debt.
Product: Debt collection

Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed. 

Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following 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 has no account information. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly removed or updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a 1099c from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXXXXXX XXXX to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX