23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. 

What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. 

This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. 

The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. 

My credit score has a result been bouncing up and down from good to fair or worse. 
e.g. Last month my credit score went from a XXXX to XXXX ( XXXX point drop ). 

Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. 

The name of the collection agency currently showing this item is Paramount Recovery Systems - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. 
XXXX XXXX - address?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, For several months I have disputed inaccurate reporting to all 3 major CRA'a ( XXXX, XXXX, and XXXX  ) regarding a company called Curacao or La Curacao.

Curacao is the original creditor in this matter. Curacao charged off the debt and sold the debt to a collection agency in the XX/XX/2016. The collection agency that owns the debt and reports to all 3 major CRA 's is listed as XXXX XXXX. I've never received anything from XXXX XXXX, but I know this from reviewing my credit reports. The issue is, even though Curacao sold the debt to a collection agency, Curacao continuously reports a balance due and past due balance to XXXX, XXXX, and XXXX. To my knowledge and research, once a debt is sold to a collection agency, the original creditor may not report a balance to the CRA 's ; they would have to report balance as XXXX ' XXXX  since the collection agency is now reporting the balance and collecting the debt. Every time I have disputed the inaccurate information to all 3 CRA 's, Curacao responds that the information is accurate. So now it's double jeopardy on my XXXX, XXXX, and XXXX  reports. The same debt balance is reporting twice. Also, Curacao, on several occasions, has reported different " current balances '' ( they fluctuate the balance ), and they also periodically change the credit limit on the account ( the account has been charged off for 4 years and was sold 4 years ago to collection agency ). I have called attorney 's for legal advice and know that Curacao is inaccurately reporting. This has caused a lot of stress and anxiety to me and has caused obstacles in my life. Thank you for time looking in to matter. I hope it is resolved soon. I believe Curacao is in violation of FDCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( 1 ) XXXX XXXX XXXX XXXX account # XXXX ( 2 ) XXXX XXXX account # XXXX ( 3 ) XXXX XXXX account # XXXX xxx ( 4 ) XXXX XXXX XXXX XXXX account # XXXX ( 5 ) XXXX XXXX XXXX account # XXXX 15 USC 1681 Section 602 A states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 1681 S-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.

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

LCS FINANCIAL SERVICES C Address XXXX XXXX XXXX XXXX XXXX, CO XXXX The company above ran a hard credit inquiry without consent.
Product: Debt collection

I received a collection notice from ONLINE Information Services for the following company that I don't have any association with. Here is the flowing information : XXXX XXXX Date of Service : XXXX XXXX Service for : XXXX XXXX XXXX XXXX Amount Owed : {$290.00} The address affiliated to this account is not mine, I have no connec6ion to this address in any way, shape or form. I want this to be resolved so it doesn't affect my credit rating. 

Thank you for you time and considerations in this matter.
Product: Credit reporting or other personal consumer reports

I traded my XXXX chevrolet truck for a XXXX XXXX en XX/XX/XXXX. 
the truck was finance for santander bank. 
there was calling me but I am dont have the truck
Product: Credit reporting

XXXX XXXX, XXXX a Class Action Suit In the XXXX, Illinois was conducted Case # XXXX. XXXX -- Plaintiff claimed amount $ XXXX, XXXX as defendant. Case was awarded to defendant XXXX. Court documents inclosed ; ( XXXX/XXXX/XXXX ) XXXX IN the XXXX, Illinois ; Summons ( XXXX ) CCM XXXX ; Answer ( rev. XXXX/XXXX/XXXX ) CCM ) ) & ; Complaint XXXX pages XXXX and XXXX ... ... .I submitted letter dated XXXX XXXX, XXXX to Equilfax Information Services LLC requesting deletion of XXXX partial acc. number XXXX from Credit Report File which have been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.
Product: Credit reporting or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian was supposed to remove 2 inquiries off my report on XX/XX/2018 it is now XX/XX/18 and the 2 inquiries are still not removed. These inquiries are now over 2 years old and should have been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, XXXX, and Equifax ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX Equifax and XXXX all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Product: Debt collection

Contract Callers Inc on XX/XX/2020 sent me a response after disputing the debt {$500.00} account number XXXX saying that they have contacted me and that I confirmed the name and address listed on the account number XXXX original account number XXXX for the amount {$500.00} which is not true. I never confirmed this and have disputed this many times letting them know this is not my account. They asked in the letter that I attached a copy of as proof to provide a detailed explanation of the basis for the dispute which I have done and they still did not fix this issue. I also asked them for verification and proof that I owe this debt and as of XXXX they have not provided any legal documentation and proof, they only sent me a bill. I told them that I never lived at or received mail at the address in question. My name was not on the lease for the reported address and I never lived at the apartment they are billing me for I live in XXXX XXXX and this bill is for the state of XXXX IL at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. A address that is not on my credit report or consumer file or have been filed in my tax documents. These items Is severely hurting my credit report and now going against the 609 Fair Credit Reporting Act. I need this collection removed immediately off my Credit Report. I have contacted all parties XXXX, including the company that says this is my bill and have had no help in resolving this issue. This item is incorrect and being reported in error. This is not my address and has never been reported as my address. In my last complaint there response Was a Very long and generic response saying send them documentation and account numbers so I attached the requested documents they need to properly Find this account and resolve this issue.
Product: Student loan

On XX/XX/XXXX I spent over XXXX hours on the phone ( mostly on hold ) with Mohela we talked to XXXX ( ID # XXXX ) XXXX acknowledged certification from XX/XX/XXXX until XX/XX/XXXX. During that time I made XXXX qualifying and certified on time payments. Mohela assume the loan from XXXX on XX/XX/XXXX. Since that time communication has been awful. I submitted XXXX certification to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Any or all of these certifications should have been sufficient. These originally were marked " wait 90 days for processing '' then later updated to " duplicate, not processed ''. This appears to be a modus operandi as on the XX/XX/XXXX I was assured that the the certification appeared to be in good order and that the processing of loan forgiveness would be " Expedited & Escalated ''. Several days after the conversation it was updated from " expedited and escalated '' to " Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. '' I am certain if some one competent in there organization reviews this case file it can be resolved within XXXX minutes. But since I can't get a response I am now submitting complaints to CFPB, XXXX the US Department of Education, and Senator XXXX XXXX. 
That make take Mohela more than XXXX minutes to resolve. 

At present Mohela Payment tracker shows XXXX qualifying prior to XX/XX/XXXX. As such please verify that the certification submitted represented certifies at least 3 additional months. Also please verify that XXXX + XXXX = XXXX. My XXXX qualifying, certified, on time, eligible payments far exceeds the XXXX required by law. Please discharge the debt as required by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account being reported negatively as late. Please remove all negative reporting regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a WARNING to remove an Incorrect item from my Credit Report with Experian Credit bureau. I have sent several complaints with a copy of my ID and address to Experian and have been ignored several times about XXXX acct # XXXX. This account has been canceled and forgiven by XXXX but yet Experian continues on reporting this debt without Validation. XXXX  & XXXX  have both removed this account off my credit report ( Which I have attached a copy showing the two other bureaus removed WFDS acct ). But Experian continues ignoring my request with stall tactics. This is NOT a request for " verification '' or proof of my mailing address but a request for VALIDATION with proof not from an computerized generator confirmation system. I would like dates you contact the " individual '' furnishing my information and the method of communication. The burden of Validation is on Experian. At this time, I will also inform you that if Experian continues reporting invalidated information to my credit report, this action may constitute fraud under both federal and state laws. I will not hesitate in bringing legal action for relief through my state attorney general, FTC and report to XXXX  against Experian. For Violation of the FCRA, violation of the FDCPA and DEFAMATION OF CHARACTER. Civil Liability 15 USC 1692.
Product: Credit card or prepaid card

I applied JetBlue Barclays card via online then I received the credit card on XX/XX/2023. It locked itself when I tried to activate. They required to call specific phone number XXXX but they open only XXXX so it was very difficulty to make a phone call because of my working schedule. 

I have been send copy of social security card, green card and utility bill 2 times already but they never respond me if they received. 
They asked me to pay membership fee {$99.00} even though I couldn't use the credit card because they still locked my credit card. 

Now XX/XX/2023, I paid membership fee and I have been calling they to check the status. However, they said " just wait. '' Also, they said, they don't know how long it takes and they can't send me response via email or phone call. They said " you need to call here to find out when we can unlock the credit card. '' Also, I can't cancel the credit card as long as they locked. Ah, they said they will cancel it anytime if I don't qualified. 

I don't know how long I need to wait to unlock. then I will lost the opening benefit. 

Please help me ....
Product: Debt collection

Received notice from stillman law office on XX/XX/21 stating they are representing XXXX XXXX XXXX XXXX in regards to a debt collection. On XXXX XX/XX/21 I received an email from XXXX XXXX XXXX company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.
Product: Credit reporting or other personal consumer reports

I disputed information provided about my student loans on credit report. My loans were forgiven in XXXX. But XXXX reported that I paid the loans off increments and they are deferred til XXXX.
Product: Debt collection

Creditor : XXXX XXXX XXXX Account Number : XXXX Charge-off Amount {$14000.00} Original Balance : {$15000.00} I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and notice this account that states that in Accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. This account was paid in full before being handed over to a debt collector and XXXX XXXX continues to report this negative report on my credit account. XXXX XXXX has responded to my dispute as accurate and verified, while I have researched my own credit report and have found discrepancies in the manner of which this information was verified. I would like to receive a full report verifying this debt as still owed because it has already been paid in full and closed before being turned over to a collection agency. 

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

15 U.S.C 1681 Section 604 A Section 2 Also States a consumer reporting agency can not furnish an acoount without my written instructions.
Product: Credit card or prepaid card

I paid the account credit card off in full end of XX/XX/2020 and with XXXX payment. XXXX bill said I owed another $ XXXX+ interest. Got another bill in XXXX with more interest and late charges ( was out of town for a couple of weeks end of XXXX ). Called Citi XX/XX/XXXX. They gave a credit of interest and late fees for 1 month and said for me to wait a couple of days and call back for remaining interest and fees credit and for credit to be processed. I called today XX/XX/XXXX to find Citi had NOT given me the stated credit and I now owe $ XXXX+.  Spoke with supervisor to try and resolve the problem. 
Bottom line, account was paid in full XX/XX/XXXX, Citi charged bogus interest on XXXX statement and before XXXX payment was even due charged more interest and late fees. Called back to get the additional credit to clear the account and previous credit which they said they would give they did not honor. I have good credit ( XXXX says very dependable ) so I think they are trying to stick me. If they do this to 10k customers, that is a hefty amount of money.
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. 
Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX 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 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: Mortgage

I had a water damage in my house. I filed the claim to insurance company and settlement process went pretty smoothly, I got my check in about 10 days. Since the damage was major, the check was issued on my name and on Seneca Mortgage Servicing LLC, so I had to sent the check to Seneca. And my real problems began.. I sent all paperwork as requested, with fast overnight shipping. It still took them 4 days to call me to notify that they ca n't issue the check because they ca n't validate my contractor. I asked for check for partial amount and it took them another 5-7 days to issue the check and then mail it ( another few days XXXX. I sent out corrected contractor document overnight and I called them in the meantime. I called them 3 times during the same day, since they kept informing me that my contractor data is incorrect. First time, they told me that the day before the payment was submitted and then denied because of " some reason ''. I asked what is wrong with my contractor details, they could n't say. I called second time and they told me that they are waiting for corrected form ( it was delivered 4 days before ). I called another time the same day and I was informed that everything is fine and they are submitting the payment. 2 days later I called to get confirmation and tracking number of the check and.. it turned out that the payment was n't submitted at all and they wasted another 4 days XXXX weekend + 2 days )!!!! 
Overall it was very stressful process, with inaccurate and misleading information provided by Seneca. It took 4 weeks to get money issued by insurance company while, I could n't pay my contractor and was living in the hotel. Terrible experience, Seneca should n't be allowed to provide mortgage servicing
Product: Student loan

When i was looking at XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me the Paperwork to sign for The Climb loan But i did not want to sign it And i fill it out by accident Then Climb loan told me that i have 3 days to cancel And i tried to cancel it But Climb loan sent the money to the XXXX  XXXX And told me that it is too late to cancel I did not expect for Climb loan to send the money to the XXXX  XXXX After That, I had to Start the XXXX XXXX XXXX  But then i got very XXXX  due to XXXX  and my XXXX XXXX And i told XXXX to cancel my program Then it took me many month until i Reached XXXX XXXX She lowered my bill to {$1500.00} XXXX  But it is still allot to pay back, because i only finished one lesson And i am on XXXX XXXX XXXXXXXX. It is difficult for me to pay my bills and buy food XXXX  XXXX  granted me Forbearance for 3 month to pay {$50.00} a month
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX
Product: Credit reporting

I have an item on all XXXX credit bureau reports from a company called XXXX listed as XXXX. I have reached out to this company and they are telling me that it belongs to a XXXX XXXX but the credit bureaus are still saying that they have verified this and It meets the FCRA requirements. This is nothing more than a fraudulent attempt for them to not do their job. It does not meet requirements under section 609 of the FCRA as they have not been able to provide validated proof an original signed contract. No matter how much I tell them to remove it from my credit repor they will not do it. They are violating the law. This needs to be taken off my credit report immediately. If you are going to make a law then hold them accountable to obey the law or the law is useless.
Product: Debt collection

Midland credit management has been calling me 2-3 times a day using a phone number from different states such as Arizona, California, and Michigan. They are spoofing their phone number.