23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out the XXXX  in XX/XX/2018 through XXXX which was residents manager. I have the letter of her accommodating my request. My request way due to harassment by neighbors and the account manager XXXX. I'm a veteran that is XXXX XXXX XXXX and XXXX from the Military and behavior like I received from the XXXX  was not expected. However I did have damage to a door in the apartment and me and XXXX discussed the door then printed out my renters insurance so it can cover it. One month later after XXXX ( apartment manager ) transferred from the apartments, XXXX emailed me a bill stating I owe the apartments. After numerous times of Calling and emailing trying to resolve this issue I got noting. I've tried disputing with the IQData international which is the debt people that took over in XXXX after I noticed it was in my credit report. 
I reached out to iq data international and they were rude he wanted me to pay more then I saw on my credit report. I've tried to settle this many times. He was demeaning towards me being very abrasive towards me. Aggravated my XXXX and XXXX. Due to this unforeseen matter it lead me to be homeless for several months had to reach out to the VA, it leads me to denial after denial. I've done my due diligence to the my country and the XXXX. I've attempted many times again to resolve this before it reached my credit report. I request that this be removed because not only because I'm still not stable but this is impacting my health also. I've been to therapy on many occasions because of this matter. I seek resolve immediately so that I can start my life back on track mentally.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!
Product: Payday loan, title loan, personal loan, or advance loan

I am a customer of Mariner Finance and use there mobile app. They gave an approval of $ XXXX not a pre approval. They wanted to add my wifes car to the loan and I said no thank you. They went ahead with the offer of $ XXXX approved by underwriting. Today at close they said well someone checked the wrong box in underwriting and we can only offer you {$500.00}. 
They wanted my car added and misrepresented the approved offer. They are making misleasding ads and lying to consumers about approvals in their mobil application when they are clearly offers for a pre-approval. This is a scam that has now caused me suffering.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I wish to ensure that all information is 100 % accurate and complete.

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  Account Number : XXXX I kindly request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any part of the information is found to be inaccurate or unverifiable, I formally request that it be removed from my credit report.

Under 15 U.S. Code 1681i, if you are unable to verify the accuracy of the disputed information within 30 days, I ask that the account and all related inaccuracies be deleted from my credit report. Additionally, in compliance with 15 U.S. Code 1681e ( b ), I request that you ensure all procedures used to include this information were reasonable and designed to guarantee maximum possible accuracy.

I appreciate your attention to this matter and look forward to receiving a prompt and positive response regarding the outcome of your reinvestigation.
Product: Debt collection

I didn't know I had this medical debt until it showed up on my credit report. I don't even reside in the state of Michigan anymore, I've changed my address, and haven't received any mail about this.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports, As you can see, the CFPB actually deleted these accounts because I was victim of this data breach so I expect you to do the same immediately, Here is the proof that I was in fact a victim of this XXXX XXXXXXXX XXXX as you may know you deleted these accounts from my credit reports because you saw that I was a victim of this data breach now Transunion and XXXX refuse to delete these items from my credit reports please delete them immediately as I was victim of this XXXX XXXX breach, Account Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( XXXX, XXXX, and Experian ).
Product: Debt collection

I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC  has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now  2  response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here.     I have attached my original response to Cavalry, dated   XXXX   XXXX   XXXX     ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated   XXXX   XXXX   XXXX     ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated   XXXX   XXXX   XXXX    , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX  hard inquiry that I didnt ask for
Product: Vehicle loan or lease

I paid Consumer Portfolio Servicing off in XXXX. I settled this account before the car was due to be paid off and they still have this reporting negatively on my credit report. It's showing that the account is closed, but they have it listed as a " Charge Off '' and it needs to be removed.
Product: Credit card or prepaid card

We had closed our account with a cell phone company in XXXX of XXXX. All contract and billing requirements were met. In XXXX of XXXX ( 8 months after closing this account ) our credit card was charged for a phone that had not been returned. We disputed this charge with the cell phone company, but to no avail, and with our credit card company. 
Unfortunately, 8 months after the fact, we could not find the receipt for the phone return. 
We felt that since the cell phone company billing showed that it had been 8 months since our last business transaction, no charge should have been approved without a new contract. The credit card company upheld the billing stating that an investigation had been performed, and the original contract of XXXX was acceptable. As a result, we had to pay {$350.00} for a phone that had been return, 8 months after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint with Equifax is that XX/XX/XXXX & XXXX XXXX. All three-credit bureaus added to my credit report, XXXX XXXX XXXX Account XXXX XXXX. I disputed this in XXXX of XXXX in which XXXX XXXX XXXX removed this account after their investigation I noticed on XX/XX/XXXX. Proof of deletion is attached. Equifax sent me notification that this account in which I disputed with all three bureaus was verified. Equifax did not do a proper investigation. I know because it was investigated by all three and removed by XXXX that this account cant be accurate. This is in a violation to my rights with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] [ 3 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ].

Along with that issue, I have submitted letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU - XX/XX/XXXX In addition, please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
Product: Credit reporting or other personal consumer reports

I have 3 accounts on my credit report that are not mines. I have filed for FTC XXXX case and submitted them to XXXX and they said they investigated but when I asked what was the documentation obtained to satisfy that this is my account I never was given any documentation nor any proof. XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$490.00} XX/XX/XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$340.00} XX/XX/XXXX These are fraudulent accounts that need to be removed they are hurting me.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON CREDIT REPORTS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry from a bank i did not recognize, XXXX XXXX XXXX on XX/XX/year>. I called that bank on XX/XX/year>. The security team marked the inquiry as fraudulent. I then asked for proof that it was completed as I was going to report this to Transunion to remove that from my credit report. They states there is nothing they can send me.
Product: Debt collection

Portfolio Recovery XXXX ran my credit and they never sent something to me.
Product: Student loan

At the time repayment of my loan was expected I was encouraged to do deferment and while waiting on the forms I should place my loan in forbearance. Forms for the deferment never came. I called XXXX times and was given the run around. I also asked about my repayment options and did not receive adquet assistance. I was told I did not qualify for repayment arrangements ( IBR ) but my income is below the poverty level.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX  IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Product: Credit reporting

I need to file a complaint against Experian for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by Experian, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late XX/XX/XXXX or XX/XX/XXXX as Experian is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Transunion asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from Transunion. XX/XX/2021 I sent a follow up message to Transunion asking them to delete the following accounts because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Transunion failed to do so and thus I am asking that they delete the following accounts since they are still being report inaccuratly. 

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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting Transunion about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.
Product: Credit reporting or other personal consumer reports

XXXX company is reporting false information this account was opened fraudulently XXXX and XXXX already removed this account from my credit report but they are still reporting to Transunion please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.