23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing incorrect reporting of charge - off accounts because they non compliance with FCRA and IRS regulations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for reporting a child support obligation on my consumer file. Child Support obligations are not consumer debt and therefore can not be reported on credit reports, as per the ruling in XXXX XXXX Trans Union LLC.
Product: Debt collection

XXXX is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!
Product: Student loan

I submitted an employment certification form in XX/XX/2020 but it has not been processed yet. I am not getting credit from XXXX through XXXX for my employment. I have tried to call them several times but I've been on hold for over 2 hours. I need to speak to someone because I have questions about my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXXXXXX 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: Student loan

Below is the original letter that was sent : XXXX XXXX, XXXX Dear Navient Claims Department, My name is XXXX and I am writing a letter concerning my Account. Enclosed is information concerning Loan XXXX ( XXXX, {$5500.00} ) on my account. After a phone conversation with Navient on XXXX XXXX, XXXX, a research request was sent in to determine fees that I was overcharged during the duration of my loan. On XXXX XXXX, XXXX a response to that request was given and I was asked to prove in school deferment during the period of XXXX. Enclosed is enrollment verification from XXXX institutions proving half-time enrollment during the specified semesters. Please contact me regarding this matter. 
Sincerely,
Product: Debt collection

I asked for a bill showing what I owe when I saw a medical debt for {$770.00} on my credit report. The bill i received dated for XX/XX/2019 shows it has a {$0.00} balance with nothing due.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account XXXX Ad XXXX XXXX XXXX Account XXXX XXXX  Account XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with Chase Bank for {$2000.00} on a {$4700.00} charge with XXXX XXXX, the details are as follows : On XX/XX/XXXX I paid {$4700.00} for a seat advertised as a fully lie flat bed on a 15 hour flight from XXXX to XXXX. Once in the air at altitude, I discovered that the seat did not fully recline as advertised, and functioned more as an economy seat. I mentioned it to the flight crew, the seat was not fixable. I had no recourse to fix this, was stuck in a broken seat beyond my control. Once landing, I reached out to XXXX to explain the issue. Their response was to credit me {$200.00}. I responded that this was not acceptable, the credit was far too low given that the {$4700.00} seat did not function as advertised for a 15 hour flight. XXXX did not remedy the situation, so I filed a dispute with Chase. 

The response from Chase was wholly inadequate and disingenuous. Chase responded that because I accepted services from XXXX, I was not entitled to any refund and my dispute was denied. 

I find this unacceptable and incorrect. I purchased a seat that was explicitly sold as a lie flat bed, this is the reason I bought it for a 15 hour flight. Once in the air, there was literally nothing I could do, so a refund is clearly necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 )  XXXX XXXX {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX   {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX   XXXX XXXX  {$700.00} 12 ) Chapter XXXX Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX/ XXXX  {$2100.00} 16 )  XXXX XXXX {$28000.00} 17 ) XXXX  XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX
Product: Checking or savings account

Beginning on XX/XX/22 to XX/XX/22, transactions began hitting my account that I didnt make. I called dispute center and filed a dispute on what had cleared, approx XXXX XXXX 4-5 days later I filed the 2nd dispute along with a police report. This one had roughly {$1600.00}. The first dispute concluded and they refunded XXXX I then began to call companys on the # 2 disput. One of which was XXXX XXXX  XXXX, {$300.00}, XXXX $ then Moneylion completed the number 2 dispute and Paid nothing except for two transactions, XXXX XXXX for XXXX $ total. ( the ones I called on ) .my deposit on the XXXX was {$2100.00}, so they got most of it. Its now the XXXX and I just ran out of money, food, fuel will be next. I dont get paid till the XXXX. Money lions actions could now be a death sentence for me.
Product: Debt collection

Eos CCa purchased the debt from XXXX XXXX in the amount of XXXX when my account was charged off to XXXX XXXX. I sent Eos CCA the following documents 1099A 1096 intent to lien and notice of default opp to cure. my 1099a was recieved and accepted by the iRS on XX/XX/2021. I contacted Eos CCA about the account and told them to send me in writing the account was closed and i did not owe them any money. I contacted XXXX XXXX to verify that my account was charged -off with them and the EOS CCA owns the debt outright. I contacted them several times and they keep giving me the roun around for a full year. 

I should have filed a complaint sooner but i wasn'nt sure were to go to file it i had to to my research. I also liened XXXX XXXX and Eos CCa for the amount plus interist they claimed that i owed them for Because I submitted a 1099A along with the documents i just mentioned. 

Eos CCA closed my account and verbally said that i did not owe them any money. 


i want a letter in writing.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Money transfer, virtual currency, or money service

I recently opened a Skrill account to receive money. I currently have {$390.00} and I have frozen my account for what they are calling security purposes they wont disclose what breach of security I committed nor how to resolve it. They wont tell me when it happened. They wont actually tell me anything all theyll tell me is that its been frozen for security purposes. It like they took My money and said well, well give it back to you when we feel like it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Received a Settlement Offer from : I.C. System, ref # XXXX Dated : XX/XX/2022 Amount Owed : {$920.00} Settlement Offer : {$460.00} Creditor : XXXX XXXX PS : I have never had account with XXXX XXXX, nor had I ever received statements from XXXX XXXX. 
I definitely think it's a SCAMMER tried to SCAM {$460.00} from anyone who could not think clearly!
Product: Student loan

I XXXX  " best student loan interest rates '' and came across a website that listed various student loan providers and a range of interest rates that they offer. PNC had a link that said something along the lines of " see what my rate would be, '' and I clicked on the link because I wanted to know what rate I could get on a student loan before formally applying for the loan. 

The link brought me to PNC 's website where it asked me personal information about XXXX wife, and I thought I needed to enter said information in to see what rate I could get on a student loan ( my wife was the borrower and I was the co-signer. ) Unbeknownst to me, the website PNC brought me to was a full on student loan application. I feel very misled as I thought I was filling out an application to see what my rate would be, but instead, was filling out an actual loan application. Not only is a " see what my rate would be '' link that is actually a link to the loan application misleading, but my wife and I 's credit score were dinged because PNC hard pulled both of our credit scores, even though I had no intention of applying or a loan ( unless the rate they would offer me was low enough. ) I'm very frustrated at how I was mislead to believe I was checking out what rate I could receive, when in reality I was applying for a loan.
Product: Credit card

It is my understanding that credit card companies should no longer be sending statements with your entire account number in them. Amazon however continues to still do this. How is it they are allowed to continue to put everyone at risk? Only the lastXXXXnumbers should be showing.
Product: Debt collection

I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, XXXX XXXX XXXX, XXXX. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access XXXX 's site and logged in, it then said that it can not display my account info at this time and to call Rausch, Sturm, Israel, Enerson. I'm assuming said debt has been sold again? How is a  judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX, suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.
Product: Mortgage

I have a mortgage with Ditech Financial because they purchased by loan from XXXX XXXX Last year in Dietech I was behind on my Property Taxes so I went into the XXXX County tax Department and put XXXX down and agreed to pay {$230.00} per month to catch up on the taxes my property taxes are XXXX. per year at that time I was behind about XXXX. but another {$900.00} would come due in XX/XX/XXXX and then again in XX/XX/XXXX. So the plan would have brought me up to date by in about 12 months when it would come time to make another agreement and also paying ahead. the agreement is in force from XX/XX/XXXX to XX/XX/XXXX and its goal is to pay until you get at by least 6 months. Your property will not go into foreclosure as long as you pay. It also allows for you to miss up to 2 payments with out any consequence. I have done this many times over the past 14 years of my loan and no problem. Each time I keep renewing my contract in XX/XX/XXXX. Most of the time this has happened is because I have had had to make costly repairs to my home and since we filed Bankruptcy in XX/XX/XXXX we have been unable to refinance so all repairs are on us. Despite my having gone and made the arrangement and faxed Dietech a copy of the agreement. they decided to pay behind tax along with the coming taxes for the year. They paid around XXXX. which takes me though to no tax due until they send the bill in XXXX XXXX. The then sent me a letter stating that they would add it to the end payment on my mortgage ( and I am fine with that. ) My problem is now Dietech had sent me a new payment as of XX/XX/XXXX first changing my payment from XXXX to XXXX. In doing so they will be forcing my husband and I into foreclosure. We are both retired and on a fixed income I was working last year but my part time job is no longer available so all of my bills must be kept within my balance. I am perfectly capable of making arrangements to pay XXXX down and $ XXXX month to the XXXX county department in XX/XX/XXXX which is when they allow me to make the arrangements for the coming tax year of XXXX. Which is a better deal for me all the way around because the XXXX County will allow me long as 4 years to get ahead on my taxes as long a I pay each month and renew each XXXX. They will even let me skip a payment or two without nullifying the plan. Dietech 's plan is way to much and I think unfair especially since I did this with XXXX XXXX at least 3 times during my loan history with them. Also Dietech was aware of the payment and the payment plan that I had made in XX/XX/XXXX as I faxed them a copy of the agreement and the payment receipt and they were also aware that I had made a payment in XX/XX/XXXX when they decided to pay the full tax bill them selves now thy plan to increase my mortgage payment by XXXX by XX/XX/XXXX for a tax of {$900.00} which will not come due until XXXX XXXX, XXXX. And they are not affording me the opportunity to deal directly with the XXXX county Tax Department as I have been doing since XX/XX/XXXX when this loan began before I ever heard of them!
Product: Credit reporting or other personal consumer reports

My credit score recently dropped by XXXX points, as shown in the attached document. I have XXXX XXXX credit cards, each with a {$1000.00} limit. Last month, my balances exceeded the limits, causing a negative impact on my credit score due to high usage. Ive since made payments to bring both cards back within their limits. However, despite making regular payments, I was hit with a XXXX score decrease, which feels unfair, especially as this impacts my ability to secure financing for a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help me.