23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is supposed to cover. Furthermore, I am military personnel with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because while checking my most recent credit report I noticed that there was a published record of a Tax Lien in the public record section of my credit report, now what I believe and what I have been told by the IRS is that an indivisuals personal tax information is NOT PUBLIC INFORMATION, so Im not sure why this would even show as it does to be Public information, so Im writing you this letter in fear that someone has misrepresented themselves to be me. In addition, the IRS agent explains that the IRS does not verify or give out a persons personal identifiable information like social security numbers, complete names or date of birth to any THIRD PARTY. I have recently sent a letter to TransUnion dated XX/XX/2018 asking them to verify the tax lien on my credit report, according to the FCRA if requested they are to give me the information on how this information was verified, as of today they have not. While speaking to the IRS Agent, they advised me that the IRS does not report any personal tax information to any credit reporting agency and that the IRS does not even have a subscription to report to ANY of the credit reporting agency. Also according to the recent litigation rule handed down says that the three bureaus, XXXX, XXXX, and TransUnion have all announced they will be removing tax liens and civil judgments from credit reports where incomplete information exists, according to the XXXX XXXX XXXX, a trade group that represents them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a request to have the fraud alert removed from all 2 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this
Product: Credit reporting, credit repair services, 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 some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I called Monday  XXXX   XXXX  to get an additional card. I was told it would be $  XXXX  for extra  card,  ( not  free as advertised ) I asked if there were a way to expedite shipment.  XXXX   XXXX  Dollars for  1-2 d ay shipment. they would waive the card replacement fee. I called the next day to confirm. They had canceled the new card. I asked of ra replacement. the employee kept insisting that I cancel my current card that was misplaced. I told her numerous times that I did not want it cancelled. She kept insisting that she had to protect me. I finally told her that I had  an IQ tha t qualified me for the   XXXX   XXXX   and I did not need her to advise me on finances. In flagrant disregard for my wishes she cancelled my cards. An did not ship me a new one. I can to pay my bills online now. I can not pay my car rental and can not work. Later Tuesday I spoke with a manger who guaranteed me  1-2  day shipment for a card,. And that it would be here by Thursday. I get notification at  XXXX   XXXX  Wednesday that it has been shipped. I need to pay  XXXX  bill by Friday and I can not do it. I am a   XXXX   XXXX    XXXX  patient and I do not need this stress.   This is t he SECOND Time I ha ve had tis problem.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 XXXXumber : XXXX
Product: Credit reporting or other personal consumer reports

Last XX/XX/year> at XXXX noon, PayPal emailed me stating that they needed a quick review of my account, hence they were requesting IDs and other proofs. By XX/XX/year> at XXXX PM, I had already submitted the proofs PayPal asked for, and they said my account was under review. After reviewing my account, PayPal emailed again on XX/XX/year> at XXXX AM stating that my account has been permanently limited. They mentioned, " Based on the information we have today, it looks like there was information used to create this account that we can not verify. '' However, I strongly believe there has been a misunderstanding or an error in the assessment of my account 's activities. 

This is my paypal email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from Roadloans on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Product: Student loan

Date : XX/XX/XXXX Amounts : None Actions : I spoke to a representative at the beginning of XXXX. ( Sorry I don't have a specific date for that conversation ) They indicated that I did not have to make a payment until XX/XX/XXXX. I asked them if they were sure and they said yes, that they were completely sure. To call back after that date to restart my payment plan. Not even two weeks later I received 4 letters ( one for each of my loans ) stating that my bankruptcy was closed and repayment was to start immediately. That was the purpose of my call on XX/XX/XXXX. I called the number that was at the bottom of the letter ( which apparently after waiting on hold for 10 + minutes was the incorrect number, that was for federal loans not private. So they transferred me to the private loan department. They indicated that yes I was back in repayment. When I explained to them about what I explained above the representative didn't even care at all she said, and I quote " Well, anyways. '' And continued to ask me for a payment. I explained that I was on a repayment plan. She stated that she had to transfer me over to another department that handles that, and that she was going to notate the account so I would have to give my information all over again to the next representative that I spoke with. She transferred me, and the next rep that I spoke with asked for my info. And when I stated that the previous rep said she was going to notate the account so I wouldn't have to give my information, he said that they don't do that and not sure why she would tell me that. He then stated that he deals with accounts that are past due ( mine wasn't ) and that he would have to transfer me over. Again his attitude was that of not caring at all. He transferred me over to the final rep that I spoke with who was kind and finally got me take care of. He didn't have an answer for the misinformation that I received either. 

Here is my main complaint. Navient doesn't seem to care at all about the customer. This is only one example of incorrect information that they have given me over the past several years. They can treat the customer any way they see fit and with no repercussions at all. I feel helpless and completely taken advantage of.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX {$0.00}
Product: Vehicle loan or lease

Tried to remove the report from Trustmark bank because its been past XXXX yrs and they are not doing it
Product: Checking or savings account

I closed my PNC Bank account on XX/XX/2018 and 2 employees both told me in person that everything was good and my account would close out i didnt need to do anything but a few days ago i get a bill from a debt collector stating i owe XXXX and i never got any letters or anything from pnc which of course she claims she sent many of them. She wouldnt listen to me on the phone and if i owoed money from 2 months before i closed my account why wasnt i notified of this when closing said account? doesnt make any sense to me but it should be employee error not mine. This has been a year ago also so why am i just now being notified after that amount of time, to me its just weird and doesnt make sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. T hey continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  burea us ) state s differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Product: Money transfers

On XXXX XXXX, 2013 I sent {$100.00} through Western Union located inside XXXX to XXXX XXXX XXXX in XXXX. XXXX XXXX never received the money. Upon filing a claim with Western Union I was informed by their customer service that the money was sent to XXXX by mistake and some one by the name of XXXX XXXX received the money. I was told that Western Union will launch a investigation and will refund the money back to me. In XXXX I received a letter from Western Union I was told that transfer was paid correctly. I was shocked because it clearly says on Western Union receipt that money was suppose to be sent to XXXX XXXX in XXXX. I have made numerous calls over the span of 2 years and every time I was told that mistake was made on the part of Western Union but there is no resolution. Everytime I was told that someone will get back to me. No one has called me back. Attached please see the following items. 1 ) Receipt from XXXX for {$110.00}, copy of hand written form that I completed with the name of receiver and country, receipt from western union with the name of receiver and country, letter from Western Union.
Product: Student loan

Naviant holds the loan. I make my payments by sending return receipt so they must sign for the payment ( in the past they lost a few ) so I know they receive them. However Naviant still calls me every day and sends emails saying my payment is late or that I 'm in default when I clearly know I 'm not. I have all the receipts and am current and up to date. However Naviant continues to harass me every day calling from multiple different numbers at various times of the day and night.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with XXXX XXXX XXXX XXXX was instructed to appear at the dealership on XX/XX/2023 and was denied. This is a violation of Equal Credit Opportunity Act which is codified in XXXXFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXXXXXX XXXX Fully loaded. The dealership tried to impose on me a finance charge of {$15000.00} and according to 15 U.S.C 1605 Determination of Credit the application covers the whole transaction. My credit was ran without consent another 2 or 3 times. I was told to come back to the dealership even though I started the process with a preapproval letter for completion of the transaction.
Product: Credit reporting or other personal consumer reports

I received a consumer report from XXXX, transunion, and XXXX and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a new inquiry from the following business on my credit report. I did not authorize a company to do a credit check and I have not applied for any new credit. I am fearful that this is an attempt for someone to steal my identity. The company information is listed below : XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX I need this information removed from my credit report
Product: Debt collection

Conns Customer Service Conns XXXX XXXX or XXXX Department ] Subject : Request for Removal of Closed Account from Credit Report Due to XXXX Bankruptcy Dear Conns Customer Service XXXX, I am writing to formally request the removal of my closed account # XXXX from my credit report. I understand that Conns has filed for bankruptcy, and under applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), consumers have certain rights regarding the reporting of accounts linked to entities that are no longer operational or able to collect debts. 

As per ( 15 U.S.C 1681e ( b ) of the FCRA, if when a creditor files for bankruptcy, any debts associated with the consumer XXXX be considered discharged or otherwise unenforceable, depending on the circumstances. In light of Conns bankruptcy filing, I kindly ask that my account be reviewed and removed from my credit report, as it no longer reflects accurate or actionable information. 

Please confirm receipt of this request and inform me of the steps Conns will take to investigate and address this matter. If additional documentation or clarification is required, I will be happy to provide it promptly. 

Thank you for your attention to this matter. I look forward to your response within 30 days, as required under the FCRA. 

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

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : All three XXXX, equifax, XXXX  Account XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft.This account was opened fraudulently therefore I am a victim of identity theft. The accountwas opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, orservices as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Aldous & Associates P.L.L.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates P.L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity bank on behalf of Wayfair card has given me so many issues while my card tenure with them. I finally paid off this card in full back on XXXX. They charged me interests during a month my card had already been paid off, then charged me a late fee over the already false interest charges. I have tried to get a representative in the line to help me but they never pick up the phone. The amount of money is minimal but I had already paid about this same amount as shown in the attached statement and besides that now theyve marked my account late when I didnt even owe anything. Please help me get this remove from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!