23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter and I received a response from XXXX dates, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ) Further, Rock Creek capital LLC XXXX https : //www.rockcreekcapitalllc.com/, XXXX x1 or x2 ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX, and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. So, I am asking to file this complaint against XXXX who I believe is representing either a company or a debt or both falsely, or that they simply do not exist. They have never mailed me sufficient proof of this alleged debt only a list of charges that make no sense with what they are claiming. XXXX XXXX XXXX were highly publicized in the media that they could be returned after 30 days with no penalty other than the {$250.00} deposit taken initially. RPM is claiming that the leases of this program were returned early. I had the car for well over the 30 day period.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I had an unauthorized transaction with my XXXX XXXX  account. I have never used XXXX before. XXXX dollars was stolen from my account. I called XXXX XXXX and they said it was authorized. I said it was fraudulent and they said sorry to hear but we can't so anything about it. Then there was excuses of pending vs not pending or if it was authorized or not and they would change their story and ended the conversation with no resolution.
Product: Credit card

I purchased a XXXX in the amount of {$120.00} on XXXX XXXX, XXXX order # XXXX online, the Macys credit card listed on the purchase ended in XXXX. I then purchased the same XXXX  in a different size in the amount of {$100.00} online on XXXX XXXX, XXXX order # XXXX paid through XXXX. 
I returned the XXXX to Macys XXXX XXXX in XXXX, NC along with two other items on XXXX XXXX, XXXX as shown on the receipt. At the time of return I recall the cashier say she made an attempt to return the purchase to credit card XXXX however she was unable to therefore she used my old charge card XXXX. 
Attached is my Macys XXXX statement showing the return of the XXXX  in the amount of {$120.00} and two other items in the amount of {$100.00} totaling {$230.00}. The charge reappears on my XXXX statement as a line item : XXXX XXXX, Macys.com purchase in the amount of {$120.00}. I am in dispute of this adjustment as previously stated and evidenced by the emailed receipt ; the online purchase date was made XXXX XXXX, XXXX not XX/XX/XXXX. 
After a long investigation I received a letter from Macys stating the refund was credited to card ending in XXXX however the receipt I received from the Macys XXXX XXXX in XXXX, NC says it was returned to charge card number XXXX. There is no question that the items were returned to the store, the discrepancy is in how the cashier made the return and where the return was credited to. 
The nearest Macys store to me closed in XXXX therefore all of my transactions have been through the Macys.com website using my original charge card number XXXX on my profile. 
The cards in question are XXXX ( my original card number ), XXXX ( new card received in XXXX ), XXXX and XXXX are both listed on my statements however I am not familiar with these numbers because I did not have a card. The complaint was investigated by the Fraud Investigation Department however, it seems this an issue pertaining to a discrepancy regarding how the transaction was handled. 
I am attaching my statements for XXXX, XXXX, and XXXX, receipt for the return to the XXXX XXXX, and Macys response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under 15 U.S. Code 1681b ( XXXX ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX Account Numbers : XXXX Amount : {$2800.00} Dates of Unauthorized Reporting : XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly. 

Additionally, I request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 

Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me. 

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

Apple card/GS Bank : This account was taken over by Apple/GS Bank . They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

XXXX account was closed for the same reason. 

XXXX XXXX XXXX account is not mine
Product: Credit reporting

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report.
Product: Student loan

I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.
Product: Student loan

I spoke with Navient about getting put back on a payment plan for my private loans since the payment plan that i was currently on would be expiring soon ( XX/XX/XXXX ). The representative assisting me took income/expense information from me and asked me to contact my co-signer to provide her income/expense information. After they gathered the necessary information, i was told that i qualified for a repayment plan with a 1/2 % increase from what i was previously paying. Due to my financial hardship, asked if there was any way that i could continue to pay what i had been paying. I was told no, and informed if i was unable to make the payment that my co-signer would have to. I told the representative that me and my co-signer would do the best that we could to pay the new higher rate. Navient then informed me that i am required to set up my account for them to automatically be withdrawn. I agreed since that is how it was set up previously. They had me verify my account number that they already had on file which was confirmed. XX/XX/XXXX me and my co-signer were contacted stating that i was behind significantly on the behind and demanded that i pay {$1300.00} dollars. I informed them that this should not be the case since they are set up on autopay. they then informed me that the payments have not come out successfully due to them not being about to " locate my account '' and that my bank needs to fix something on their end. I contacted my bank and they are unaware of what Navient is describing. Navient has called me several times a day harrassing me and my cosigner demanding that we pay the {$1300.00} now. Navient also had my address incorrect and i never recieve any documentation about my loans in the mail. I have verified with them repeatedly my address and someone always tells me that they have it updated and it never is when i call. it makes me think that if they can not get something as simple as my address correct, how can i possibly trust them with caring for my account. I 'm completely disgusted with the way that Navient handles business. something needs to be done and they need to help borrowers who are unable to make their payments.
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. 68 points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put 68 points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, equifax is getting better since my complaints but still them and XXXX  are the worst you cant even access XXXX  website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because equifax removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that equifax already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with equifax and removed them but what do I know about wasted time and making things better. Apparently nothing
Product: Debt collection

On my credit report there is {$1500.00} in debt coming from Transfinancial Company. The bill supposedly came from my XXXX XXXX hospital visit XX/XX/2021. I called Transfinancial multiple times trying to get a phone number to XXXX XXXX XXXX which doesn't seem to exist. The hospital billing who I also called doesn't have a bill from then. Transfinancial told me no it's the XXXX XXXX billing I called two different companies including the XXXX who seen him that date and their billing department they do not have a bill. The bill even if it was paid late by insurance shouldn't be on me, hurting my credit. And if it was some bill there. They should be able to show me the bill and a number to contact where it came from.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance : {$12000.00} On XX/XX/XXXX I asked Experian to investigate this debt on my credit as it was paid off for the agreed amount of {$6000.00}, on XX/XX/XXXX, with the agreement by XXXX that this would be removed from my credit. On XX/XX/XXXX, experian provided my dispute results as updated with no proper investigation done regarding this account. This creditor agreed to remove this item from my report upon payment in XX/XX/XXXX, yet it is still reporting negatively which is causing me great deal of financial hardship. 

In accordance with the fair credit reporting act, section 1681i, I kindly ask that you reinvestigate this item and delete it from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : TransUnion and XXXX reported XXXX XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows XXXX reported late payments for this account. 
XXXX removed XXXX late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX