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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.
Product: Credit card or prepaid card

On XX/XX/2021 a transaction from XXXX hit my card for the amount of {$3200.00}. I did not authorize or make the transaction. I logged into the Citi website and marked the transaction as fraud. Later I logged in and noticed the dispute button was still there so I hit the dispute button again. The dispute then showed up on the Citi website as a canceled transaction dispute so I called Citi a couple of times and validated a couple times that they have it marked as fraud and I was told it was noted on my account that it is fraud. I re-emphasized that I did not do the transaction. Citi has now marked the dispute as resolved and said I owe the money because of the terms and conditions for XXXX. I did not agree to any terms and conditions because I didn't purchase anything. On XX/XX/XXXX I was sent a message they are still looking into an unauthorized transaction on my account and then on XX/XX/XXXX they close it and say I owe it because of terms and conditions. See attached document labeled Investigation Update for the letter showing they knew I reported it as unauthorized. See the document labeled Investigation closed where they reference terms and conditions I didn't sign. And finally there is a document labeled chargeback request that is attached. In that document it shows that the booking was for XXXX. I did not book anything to go to XXXX. It also has the name, email address and phone number of the person that booked and accepted the terms and conditions. That person is not me. It is not hard to see that the name in the charge back request document and the name on my credit card are completely different as well as the email and phone number. I feel like Citi has broken laws by not refunding me for the fraudulent charges. I feel like they also have broken laws with marketing which lists on their website that I am 0 % liable for fraudulent charges. Citi did not perform due diligence on my report of fraud on my card. I am not going to play the back and forth game with them this needs to be resolved now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact XXXX for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get my free annual report. 1st time I tried they ask for a payment that included a monthly fee. The 2nd time I got disconnected, and # 3 my information didn't match after I put the same information the first two times.
Product: Payday loan, title loan, personal loan, or advance loan

I enrolled in a debt settlement program with XXXX XXXX, they then continued to up payments and demand lump sums until I could no longer afford their program after paying XXXX every XXXX weeks for 1 year plus. I started with {$33000.00} in debt and they say they reduced by XXXX however they then forced me into a loan with their partner Above Lending for {$25000.00} which now after paying {$300.00} every 2 weeks for months I now owe more than originally agreed ( XXXX ) with an interest rate of XXXX percent!! At this rate I am now worse off than I would have been in credit debt and god knows how much I will pay in the long runoriginal contract states {$48000.00} but at this rate will be far more! 

XXXX XXXX and their partner Above Lending are total predatory lenders and taking advantage of people in an already difficult situation and I will proceed with legal action to protect myself and others!
Product: Debt collection

My former landlord XXXX charged me XXXX dollars for damages not belong to my room and garbage left in hallway not by me. I disputed with XXXX  by email twice and was ignored. XXXX send this debt to Southern Management System. I received phone call from Southern Management System and asked for proof of debt from them numerous times and never received. I write a certified dispute letter to Southern Management System and they refuse to pick it up. They finally did not respond my phone and voicemail. I also disputed this alleged debt with 3 credit bureau. They claim this debt is correct to XXXX while not responding to me. XXXX removed this collection account. 

Southern Management System : XXXX : XXXX XXXX  : XXXX XXXX XXXX Timeline : XX/XX/XXXX, statement received, First attempt to dispute with XXXX  XX/XX/XXXX, First attempt to dispute with XXXX  is ignored. 

XX/XX/XXXX Initial communication from Southern Management System, request written notice for dispute. 

XX/XX/XXXX, XX/XX/XXXX Not receiving written notice, Phone contact with Southern Management System requesting written notice. 

XX/XX/XXXX, Not receiving written notice, written mail sent to Southern Management System disputing and requesting written notice ( tracking number:XXXX ), ignored. 

XX/XX/XXXX, and numerous time. 
Not receiving written notice, Phone contact with Southern Management System requesting written notice, not answering, leave a voicemail. 



XX/XX/XXXX dispute with XXXX, XXXX and XXXX. 

XXXX XXXX, Second attempt to dispute with XXXX through email is ignored. 

XX/XX/XXXX Dispute Complete, Collection account deleted by XXXX XX/XX/XXXX Dispute Complete, Collection account maintained by XXXX.
Product: Debt collection

I paid this debt several years ago and even had it removed from my credit after payment. They served me with papers today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 22 unauthorized inquiries in my credit file. It is damaging to my credit and character. I did not authorize 22 inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, US BANK CONSOLIDATED add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 
EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Student loan

Navient stopped sending me paper statements. I was then forced to send them payments in which I enclosed a check for the amount due with the corresponding account number of the loan to the address they supplied in the previous years and in three separate phone calls. In these phone calls I told them I was not receiving paper statements and requested that they remedy this situation. The calls were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In my sending of the XX/XX/XXXX payment ( XX/XX/XXXX ) they randomly took an amount of {$73.00} out of a single check payment of {$800.00}. ( the  payment due was {$780.00} ) and said that they applied it to my personal loan- to which I had sent in an overpayment for that personal loan on the same day- with the paper statement for that account they had mailed. They cashed both checks. I then got a letter datedXX/XX/XXXXXX/XX/XXXX stating that I had sent my payment to the wrong address and that it looked like I wanted my " payment to be applied to both my federal and private loan. '' This was never my intention nor was it ever indicated in any of my mailings of payments. The letter also said that if I sent it to the wrong address again I would be responsible for late fees and additional interest charges. 
I did not send the check to the wrong address and never did I indicate that I wanted the check amount to be applied to both the federal and student loans. 
I have been paying on these loans since XX/XX/XXXX and the exact manner I am now. I called and spoke to a representative on XX/XX/XXXX who could not explain what happened but once again ( third time in three months ) said I should be receiving a paper statement and that he would make a notation of the letter I received stating that it was in error. I was not told then that I had a balance due from them not receiving a payment. To note- I do currently receive a paper statement for my personal loan and used to get the paper statement for the federal loan. I also always over pay the personal loan to apply more to the principle due. 
I have not received a paper statement. Yet, I received a letter on XX/XX/XXXX dated XX/XX/XXXX saying that they had not received my payment due on XX/XX/XXXX and that I was delinquent and past due with an outstanding balance in the amount of {$58.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has my name as XXXX XXXX XXXX XXXX. 

I have repeatedly disputed them in regards to my name, I am not a XXXX. I've sent them copies of my birth certificate, driver 's license and they still refuse to correct or on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
Product: Credit reporting or other personal consumer reports

The Emergency Medical Treatment and Labor Act ( EMTALA ) requires hospitals to provide XXXX  care regardless of your ability to pay. 
The XXXX XXXX XXXX  is a medical bill from the XXXX  XXXX, and I was supposed to be covered under Medicaid. I request this medical bill to be removed because it's not accurate. 
I am covered in Maryland and they have not given me the correct medical bill, nor corrected this
Product: Credit card

In XXXX, I completed a promotional purchase of approximately {$6000.00} with a XXXX  % APR, set to expire in XX/XX/XXXX. Subsequently, in early XXXX, I executed a balance transfer of around {$6000.00}, also at XXXX % APR, with an end date in XXXX. I fully paid off the promotional purchase in XX/XX/XXXX. Contrary to my expectation, US Bank applied this payment to the recent balance transfer instead of the older promotional purchase. As a result, US Bank began charging a high interest rate ( exceeding {$100.00} per month ) on the previously promotional purchase. Upon contacting US Bank to rectify the allocation of my payment, I was informed that such a request could not be accommodated. These practices are inconsistent with reasonable consumer expectations and result in an unfair disadvantage to consumers.
Product: Checking or savings account

XX/XX/year> I checked my bank app I called my bank chase to find out why there were claim reversal I didn't authorize the claim
Product: Student loan

After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.
Product: Credit reporting or other personal consumer reports

XXXX closed my accounts and then they started to report after they were closed. I called them and asked to be placed on a program and they said they didnt have any programs. I made my payments even after the accounts both personal and business were closed and they still reported me late. Also, they reported my business card on my personal credit. I never signed or agreed for this and this is very misleading, and they should not be conmingling a business card that belongs to the business to my personal credit profile. 
They dont try to help the consumer at all and the dont disclose properly what will be furnished to a personal credit profile. When the business applied for the credit card it was with the EIN not my social so they should have never reported the card on my personal credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX Please update my credit report with the following correct information : 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 copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 EQUIFAX, has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Product: Debt collection

XXXX XXXX 's mother, XXXX XXXX XXXX committed identity theft by using his identity to apply for credit without his consent. This was discovered after XXXX passed away on XXXX XXXX, 2024. 
I spoke with representative, XXXX XXXX in Customer Support XX/XX/year> on the status of this and she in $ romed me she spoke with a manager and said that this is now resolved and the account is now closed under permanent Hardship. The Hardship confirmation letter will be mailed with 7-10 business days. I have not received this letter as of yet. The documents that were mailed are attached to this report.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX XXXX ( XXXX )
Product: Debt collection

CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.