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

Capio Partners XXXX XXXX XXXX XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
Product: Student loan

I received a private student loan with Navient in 2010. I have like anyone else financial issues that have come up, however I have paid XXXX to date when my loan was for XXXX dollars. I currently owe XXXX dollars! The rolling interest and forbearances have really increased the balance. How can they do this to struggling students that are trying to do the right thing and pay their student loans! This isnt fair and falls under what they have already been sued for in other states such as Pennsylvania. I called Navient to discuss and see if they would work out a payoff that is less than XXXX. They said no you can pay the balance that is all we can offer you. I was so upset since I am trying to do the right thing and get this loan taken care of yet not being taken advantage of at the same time. No one deserves this.
Product: Debt collection

For the past 5 years I've been disputing debt that I've NEVER owed. I have the bill from the dentist showing that I absolutely owe him nothing!!!!! I've disputed the amount with XXXX  for years but they never provided me with anything, no documents or even any explaination. I've requested to see what I supposedly owe, and again nothing! I've had it!!!! I'll see Justice via trial by jury as I'm entitled to under the 7th amendment. I not only want this fraudulent collections account removed, but I also require monetary compensation of the same amount!!!!! Enough is enough you thieves!!!!!
Product: Credit reporting or other personal consumer reports

In XXXX, These loans were. 
Originally taken out under false pretences. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To attend college, it is one of the apartments that you prove you have received XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted XXXX XXXX XXXX # XXXX, And when I spoke with someone they said that they had six years to review my case. This loan has been on my credit account for over ten years and can Take another 6 to decide to remove. 

When this loan was originally applied for, Whoever was doing the intake information Failed to do some verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only one of the four tests have been passed.

Therefore the loans received for college that I never had permission to be enrolled in, Are negatively effectiving My ability to obtain credit.
Product: Checking or savings account

On Saturday XX/XX/XXXX at approximately XXXX I went to my local first bank on XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I came to make a deposit into the atm of XXXX XXXX as the atm was counting the money it only calculated XXXX XXXX I canceled the transaction to have the atm return my cash however the atm still only returned XXXX XXXX I am now missing XXXX XXXX
Product: Credit reporting or other personal consumer reports

My husband leased a car. I was not at the car dealership. The finance department ran my credit and performed a hard inquiry without my knowledge or consent. Finance lady, XXXX XXXX, said I could " just go on XXXX and dispute the inquiry ''. The inquiry only shows up on TransUnion and there is no way to dispute it online. 

I also contacted XXXX XXXX, as that organization performed a hard inquiry when XXXX XXXX pulled my credit. The XXXX XXXX representative said there was nothing he could do since I do not have an account with them. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Social Security Number : XXXX Date of Inquiry : XX/XX/24 Two organizations performed an inquiry : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Product: Credit card or prepaid card

Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change. 

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

These collections were deleted because of billing errors and are recycling as new collections ... My insurance paid them. This is in violation of the FCRA ... 

COLLECTIONS XXXX XXXX XXXX {$1800.00} inaccurate/not mine XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$100.00} inaccurate/not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TD XXXX/RAYMOUR & FLA Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act PRINCE PARKER AND ASSOCIATES Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. 
Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 



This is a CHARGE OFF and I continue to receive NEGATIVE REPORTING XXXX XXXX Acct # XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX  and XXXX agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX   and XXXX  credit reports but, XXXX  continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.
Product: Debt collection

I receive calls and voicemails regularly in which the representative does not identify who they represent and they make no effort to notify me that they are a debt collector. 
They also threaten to sue me in a state I do not live in. I'm tired of the stress caused by threats and how intimidating they continue to be. They claim to be a lawyer that will sue me but they are just collections agents who work at a lawyers office. They will not work with payments, they expect payment in full for unrealistic amounts and demand that I ask family or friends for money I was also told to cash in my 401k to pay them.
Product: Credit reporting or other personal consumer reports

I show a hard inquiry on my credit report from PFS Auto Finance , LLC. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX. 

I have no knowledge of this, Ive owned my own vehicle & have never inquired or even stepped foot in this institution.
Product: Debt collection

Professional collector corporation is at it again. Professional collector corporation is reporting on my XXXX and XXXX. Pcc  is reporting to XXXX they are reporting a bill that is from XXXX in the amount {$4000.00}. They are also reporting the same bill for XXXX on XXXX for {$1100.00}. Funny thing is I talked to XXXX XXXX and he said that they are not reporting this bill to XXXX. I didnt realize these sneaky people were reporting on my credit bureau on XXXX XXXX well. XXXX has bills that they put on my credit bureau which is XXXX twice. Which is XXXX, XXXX which is on XXXX and XXXX XXXX as 2 different amounts. They also have on XXXX bills that are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All of these bills I just listed are not owed to pcc which they are representing XXXX XXXX XXXX These bills are actual fraudulent since these bills dont exist. If the Wisconsin department of financial institutions would had done there jobs and took away professional collector corporation license this would not be going on. Pcc/ XXXX XXXX XXXX gave all of the bills that are not due to them since my health insurance picked up all of my medical bills with a contractual agreement. Nobody should have the power like these people do and try to ruin someones credit to get money that is not due to them. I truly believe that pcc is not a true collection agency because nobody would put so much on the line unless there is some serious fraud going on. Where did these bills come from that you are reporting on my XXXX and XXXX? Everything that pcc sent to the XXXX department of financial institutions doesnt add up to what I received and what they are reporting on my credit bureau . According the the records that pcc sent to XXXX and then made copies and sent me these bills are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY THAT IS SHOWING ON MY XXXX  CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED XXXX  AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED XXXX  AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH LEXIS NEXIS, I CONTACTED LEXIS NEXIS THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.
Product: Debt collection

I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 TransUnion began showing an account in collections on my credit report ( per XXXX and XXXX XXXX ). This account {$65.00}, the collector, XXXX, and the original creditor, XXXX were not at all familiar to me. I called TransUnion and after great difficulty was able to speak to someone in my own language ( English ). The problem was resolved quickly but no explanation was ever given as to how this could happen or what precautions would be taken to prevent a recurrence. The U.S. based phone rep was very professional and very helpful. I promised her I would file a complaint on this issue because credit reporting agencies must be held accountable. Mistakes like this one can not be allowed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis.

According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access.

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis. Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.
Product: Student loan

Recertified for lower payments based on income, new monthly amount owed went up to {$500.00} from {$390.00}. All federal loans are on pause until XX/XX/2022, they deemed it essential to shift payments to 10 days from submission - XX/XX/2022. That wont be happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Suntrust is being reported as 3 different names and 3 different payment addresses XXXX  has XXXX/SUNTRUST XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX has XXXX/SUNTRUST XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Type XXXX : Installment account XXXX : Education Loan XXXX : Installment XXXX : payment status is listed as 120 days past due XXXX : payment status is listed as at least 120 days or more than 4 payments are past due XXXX  payment status Acct renewed or refinanced
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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

My lender will not cancel PMI even though my home my has gone up significantly in value which as a result brought my loan to value ratio down to 60-70 % ; far below the 78-80 % minimum requirement. They state that is based on the loan amount not the fair market value which again is much more than I purchased it for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX didnt inform me that they wouldnt be paying on my accounts until they got enough money to make settlements or i wouldn't have joined the program it caused my credit score to drop from the 700s to the 500s i deposited with them over {$5000.00} the only account the negotiated was XXXX XXXX from {$30000.00} to {$11000.00} and that was negated when i stop using the service .They keep all the money i payed into the account over {$5000.00} for their fees. I fought with them for months and ended up getting back around {$300.00}. If they had explained better how their company worked i would have never did their program and i would have continued to my payments on mine own. Thanks to them im out about {$10000.00} total and my credit score is now poor and in the low 500s.
Product: Debt or credit management

On XXXX, I entered into an agreement with XXXX XXXX XXXX to help me with debt consolidation for some of my credit cards. The first payment was made to them on XXXX for {$100.00} via automatic withdrawal from my bank account to Global Holdings LLC. Every 2 weeks thereafter, I paid {$93.00} until XXXX when my income dropped substantially, and I changed the withdrawal amount to {$50.00}. In XXXX, I had suspended the automatic withdrawal as I had medical expenses to take care of. I resumed the automatic withdrawal on XXXX for the amount of {$70.00}. I made 3 payments every 2 weeks and on XXXX I lost my job and had to suspend the payments again. I had to keep calling them to continue to suspend the payments due to lack of any income. 
On XXXX, I called to ask them about my accounts, how much I had paid in, and how much had been paid to my creditors. I was told that I had paid in a total of {$1000.00} and of that they had only paid XXXX XXXX {$50.00} and XXXX {$35.00}. The rest was in fees. I requested to speak to a manager and closed my account. The next day, I called and requested all of the information on my account, such as correspondence with my creditors and what they had been doing with all the rest of my money. Totaling {$990.00}. They refused to give me that. The following day XXXX, a manager named XXXX called me and tried to talk to me and wanted to explain things. I told him there was nothing to talk about and hung up. Later that day, I received an email from XXXX stating that due to the unfortunate circumstances they were going to refund me {$400.00} which he said was mailed on XXXX but I have yet to receive. That still does not explain what they did with the rest of the money totaling {$580.00}. They have mismanaged my money and I think they owe me more than {$400.00} after all of that time and only paying my creditors {$85.00}. They did in the past email on occasion to say that they were working with my other creditors, but I have seen no proof of that other than them saying so. I am asking for some help trying to resolve this matter please. Thank you for your time and consideration on this matter. 

Regards, XXXX XXXX XXXX
Product: Bank account or service

I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after. 

I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority. 

I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.