23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.
Product: Credit reporting or other personal consumer reports

As a XXXX combat veteran, I served time overseas and during those years, my identity was stolen. As a result, fraudulent accounts were opened, defaulted, and posted to my credit reports ( to include XXXX, XXXX, and TRANS UNION ). During the months of XXXX and XXXX, I sought legal counsel to assist the removal of incorrect information on my credit reports. 

Some of these accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many other negative items. 

During the months of XXXX and XXXX, letters were sent out to all of these bureaus which required them to remove all negative items, accounts, late reporting, charge-offs, and inquiries. Unfortunately, the accounts and negative items are still reporting on my credit files. Whenever I call to, the representatives refuse to be helpful and they respond with continuous resistance in a very disrespectful manner. 

Every negative item should be removed from my report as the accounts and items do not belong to me.
Product: Debt collection

On XX/XX/2021 via certified mail with return receipt, I sent a debt validation letter which also included cease all contact. Per USPS the letter was delivered on XX/XX/2021 at XXXX to the front desk/reception/mail room. On XX/XX/2021 XXXX and XXXX XXXX in XXXX, IL contacted me at XXXX pm and then hung up. I called back and spoke with Mrs. XXXX, asked why were they contacting me and I have sent a letter stating to cease all contact and to validate the debt, Ms. XXXX states she can add me to the do not call list but that they do not go thru letters. I hung up with Ms. XXXX and called back, the next representative I did not catch her name, but this rep instead of addressing my concerns and ignoring what I was saying continued on about paying the balance, I proceeded to stop this representative and advised that this is not what I was calling about and that she was ignoring what the initial call was in regards to. The rep stated they have not received any letter, I advised that the letter was delivered to their offices on XX/XX/2021 at XXXX. I hung after I did not get anywhere with this rep as all she kept stating was they did not receive a letter.
Product: Credit reporting

I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.
Product: Debt collection

SYNERPRISE CONSULTING ACCOUNT # XXXX {$2300.00} UNVERIFIED ACCOUNT
Product: Debt collection

I was injured at work. All bills were sent into Human Resource department to get bills paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA is clears stating that consumers credit report has to be 100 % accurate and complete. 
The following following Tradelines does not have date that accounts were closed. Account listed be are incomplete and inaccurate. 

This is a violation of the FCRA. 
XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account

information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies. I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX and myself pertaining to the account in question.


Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that XXXX has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within XXXX days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Student loan

As a student beginning college in XXXX, I was approved for a student line of credit through XXXX XXXX XXXX XXXX with a co-borrower. The loan servicer for the account is University Accounting Services, LLC ( XXXX XXXX XXXX 

At the end of XX/XX/XXXX, two statements were posted one of which had the correct billing date ( XX/XX/XXXX ) and {$0.00} due with the cycle ending XX/XX/XXXX, while the other had a cycle ending XX/XX/XXXX ( total interest charged for 8 days despite the cycle length being 31 ) and a billing date of XX/XX/XXXX and {$690.00} due. My co-borrower called XXXX XXXX on XX/XX/XXXX and talked with the loan servicer on the phone. XXXX XXXX confirmed that the statement with the cycle ending XX/XX/XXXX was sent in error. My co-borrower also asked that the loan disclosure documents be made accessible on my account and was told they would be there in 3-5 business days. The only documents to become available online after 5 days were my past statements. To this day there are still no loan disclosure documents on my account. 

I became extremely concerned when my statement due to arrive in XX/XX/XXXX was not posted until XX/XX/XXXX and noticed the information on this statement was based on the error statement. After discussing with my mom, who works for a credit union, we were under the assumption that the error statement would have been removed and the new previous balance listed on the statement for XX/XX/XXXX would be the balance of {$100000.00}, which was listed as the new balance from the XX/XX/XXXX statement ( the one that was deemed to be correct by the loan servicer ). However, the balance listed is {$100000.00} that was stated on the error statement. I also noticed that the due date for payments had suddenly changed to the date of the 18th of the month and not the 10th. Since the statements are off, I am not sure if I am being over-charged in interest as that is what it looks like. 

After seeing the statement posted XX/XX/XXXX, I immediately sent a secure message through their website, which is their suggestion, informing them of my issues and requesting a full account audit from loan inception through the current statement period. I gave them 30 days and have not heard or seen anything. I also do not have a statement for XX/XX/XXXX ; not sure if that is considered an issue especially when my next payment would be around XX/XX/XXXX, but I currently have no idea how much I would owe. I realize it would be XXXX since I am in deferment, but if that was not the case I would be cutting it really close. I would also like to point out that when calling in to their number and giving my SSN and DOB to confirm my account, they are unable to recognize that I have an account. So, I am concerned. And being a recent graduate, I was not fully expecting to be dealing with something like this, which has caused an increase in my anxiety. It seems as if the loan servicer is ignoring me at this point.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

I received my bank statement from bank of America on a XXXX that I recently opened. This card was supposed to help rebuild my credit. I put {$500.00} on the card. When I received the statement there was a {$39.00} annual fee that I was not informed about when I opened the account and a {$10.00} bank transaction fee? I called and spoke to several people as I kept getting transferred. First I 'm told I could have it waived. Then I 'm transferred to the wrong department and then told no it can not be. And no one could tell me where the {$10.00} transaction fee came from. I closed all my accounts. Horrible customer service. No wonder they 're listed as XXXX of the worst banks in XXXX.
Product: Credit card or prepaid card

I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.
Product: Credit card or prepaid card

I have not received my social security money.

I went on the SSA web site and according to them it was paid on XX/XX/2023 but direct express doesn't show this.

I have a support ticket in Direct Express : Ticket # XXXX They are giving me the run around. Have been doing everything through e-mail. They told me to talk to SSA, then they said to call them, then they want more information.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, They failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX  account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}
Product: Checking or savings account

My Bank of America checking account was charged {$1600.00} in which I never authorized on XX/XX/19. I contacted the merchant XXXX XXXX and the Bank of America to dispute the charge. They refused to refund my money eventhough I did not use my card or give anyone permission to utilize it!
Product: Debt collection

I went to my XXXX for XXXX XXXX  and my XXXX  uses his own testing company to perform a XXXX XXXX. The private testing company used another third party ( XXXX XXXX ) to perform tests on my XXXX  and XXXX XXXX  is charging me for the test. I never gave permission to XXXX XXXX to perform any test on me. This is a violation of my HIPPA rights. My XXXX  results are my personal XXXX  records. My personal XXXX records are my private personal information.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again. XX/XX/XXXX, I  signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.
Product: Credit reporting or other personal consumer reports

Please remove inquiry from XXXX XXXX XX/XX/year> from my Experian credit report. 
This was not authorized. This was after a data breach alert happened. 
This inquiry was made out of the blue.
Product: Checking or savings account

Hello, I have an issue with some unauthorized transactions that occurred on mu chime account that i did not authorize and followed chimes policy on how to report these unauthorized transactions when they occurred yet they never helped me recovered my funds. Each time I submitted a claim a day or 2 later they would deny them. Which i felt was not enough time to investigate fully these transactions. I had given up on trying to recover my funds because i felt powerless against them but after adding the transactions, its came up to a pretty hefty amount for me just to let go. Ive had issues with this merchant before and ive advided chime about it so i dont understand why they let the transactions go through and why they dont help on recovering my funds. I clearly sent them an email of someone logging into my account again somewhere in XXXX XXXX Ca which is nowhere near where i reside in XXXX XXXX ca. Can you please help recover my funds please? The reason they gave me when denying my claims was that it shows that i had done business with the merchant before which i totally false because every transaction to that merchant i have submitted a claim for and they always deny it so they are just being unfair and wrong. The following are the transactions in question. Thank you All for the merchant chaturbill- XX/XX/XXXX {$49.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$19.00}
Product: Credit card

I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from my credit report!!
Product: Debt collection

I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished.