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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 


My name is XXXX XXXX My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill.

Attached is the required documentation.

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX XXXX
Product: Debt collection

XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.
Product: Debt collection

In XX/XX/XXXX with classes starting in XX/XX/XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. 

Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.
Product: Payday loan, title loan, or personal loan

I've applied multiple times for a lease with Acima credit. I continue to get declined because they can not verify my identity. I've called multiple times and have offered to submit proof of my identity. Their resolution is for me to continue to apply. Additionally, I was told to contact the credit bureaus when Acima is the one making the decision to decline my application. Why would I continue to apply when I they continue to decline me for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( account # XXXX ) has violated my rights. Please delete this account from my credit report. 

XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my account in full {$340.00}. On XX/XX/XXXX, I was charged a {$8.00} finance charge. On XX/XX/XXXX, I received a statement in the mail stating that I owed {$35.00} ( XXXX FC + XXXX Late fee + XXXX Minimum finance charge + XXXX Late fee + XXXX Minimum finance charge ). Once I got the statement I paid the {$35.00} and called Comenity Bank. I was advised to send a secure message on my online portal, which I did and have not received a response. On XX/XX/XXXX, I called back and talked to XXXX and XXXX and they said they were not able to help me. My credit took a XXXX  point hit and I would like this reversed as I have never made a late payment and I paid the account in full.
Product: Student loan

I was on XXXX last year and because I didn't file 'Married but separate ', they denied me XXXX. So now I'm stuck paying {$610.00} just to see if I qualify for other repayment plans. They won't even tell me unless I make that ridiculous payment. I can not afford that payment since I already pay another private student loan. 

Please help.
Product: Checking or savings account

Tuition for my son 's school is to be paid via an invoice, however the tuition was debit via an ACH. The school was unable to stop the payment so I called the online support team for Citizens Bank and asked if they would be able to return the ACH since it was the same day & they said no. I then went to my local branch and the Assistant Manager briefly listened to what was going on and suggested I go to the branch where I opened my account for them to help me. He then accepted a phone call mid conversation and ended the interaction.
Product: Checking or savings account

First Citizen Bank - XXXX, Oregon Location. 
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 
under 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 Section 604A section 2 it also states that consumer reporter agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX, after checking my credit report, I noticed I had a collection agency charge for {$3100.00}, with the original debt collector being XXXX. 


After calling the debt collector, I was told the the account was open in XXXX. I explained that I was still in high school, never had heard of the address that they had on file, and had never opened an account with XXXX. I asked for a copy of the contract with my signature and some identification that showed I had opened the account. It was explained that those records could not be provided due to the length of the account. I filed a dispute with that company and all three credit bureaus. 

The account was removed. 

On XX/XX/XXXX, the information again appeared on my credit report. I immediately filed a dispute with the credit bureaus. I called Convergent Outsourcing explaining the situation and what steps to take to get the item removed. The agent told me that I would have to provide them with a police report. At this point, I have never had any contact with this company. The address that she had on file was one that I had never heard of. I provided the agent with my address to send all correspondence. At this point, this account is not and was never one that I owned and I am requesting that it be removed from my credit report.
Product: Debt collection

I will like to take this out my account I dont owe this money they said it wont be in my credit
Product: Debt collection

There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXXXXXX XXXX, Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you XXXX XXXX  as well as grade not impacting XXXX and then being registered for upcoming XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX, ext. XXXX MAIN : XXXXXXXX XXXX XXXXXXXXXXXX XXXX : XXXX EMAIL : XXXX FAX : XXXX Description : Description : Description : XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXX XXXX attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXXXXXX XXXX XXXXXXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged
Product: Checking or savings account

I opened a TD Bank Checking account on XX/XX/XXXX with a promotional {$300.00} checking bonus for completing direct deposit requirements. In the fine print their terms stated that customers who had not held an account and received a bonus in the past 12 months were eligible for this promotion. 

After 140 days the bonus still had not been paid out so I reached out to TD Customer Service. They are citing the account that I held and the bonus that was paid out on XX/XX/XXXX as reason to not pay out the bonus specifically citing the verbiage " the new account does not qualify as this would be considered combining with another offer. '' Clearly I did not apply multiple offers to the account that was opened in XXXX and the language surrounding accounts held before the 12 month period was very clear. 

The bank 's mistake is made even more apparent because their new terms and conditions have been updated to specifically state " Customers who received a bonus on a prior checking and/or savings account do not qualify. '' Note that this language did NOT exist when I opened the account with the promotion in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian Could not cancel the Experian free account I set up on XX/XX/ after spending 2 hours. I also used the Experian phone system which is another computer system that does not let me cancel the Experian Membership. 

Experian is a predatory Company.
Product: Credit reporting or other personal consumer reports

I am requesting the prompt removal of the unauthorized accounts from my credit report. These accounts were neither initiated nor authorized by me, and I do not recognize their origins. In accordance with USC 1681g, I request their removal within 15 days. Enclosed are all pertinent documents for your reference.
Product: Payday loan, title loan, or personal loan

There is a PNC Bank line of credit for {$15000.00} that is a closed account. 
This was my ex husbands account that he took full responsibility for during our divorce because it was under his account. He had me as an authorized user for this account. 
I in NO way have any connection to this debt. My ex husbands name is XXXX XXXX XXXX. Phone number XXXX XXXX. 
I have discussed this debt with my ex husband and he told he it had already been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : 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. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Cancelled XXXX XXXX account on XX/XX/18 at XXXX. Spoke with XXXX at XXXX XXXX to cancel services effective immediately and pay final amount of {$210.00}. Conf # : XXXX. 
XX/XX/18 : Received collection notice from Radius Global Solutions regarding an account balance of {$94.00}. I paid this to avoid this amount reporting to the credit bureaus. 
XX/XX/18 : Attempted to speak with XXXX XXXX. I spoke with Customer Service agent XXXX who stated this account balance was to pay for XXXX. She was unsure why no bill had been sent prior to the collection notice. Spoke with XXXX who stated that she would " notate '' my account. 

I have attached my final XXXX bill as well as the collection notice. I have also attached the XXXX bill showing that I have paid XXXX directly as cancelling with XXXX on XX/XX/18 " unbundled '' with XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

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

I received a credit report email from my bank account, so I found out that on XX/XX/XXXX I had a new credit card account open in Bank of America, which I never did. So I reported it. Now I will call them too.