23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX XXXX at United Consumers Incorporated ( ucicollects.com ) in XXXX 2015 about a purported debt of {$130.00} that I had with a medical provider. As I explained to XXXX, that matter was bogus as the provider had erred on a previous procedure and asked me back for a redo, explicitly stating that there would be no charge for that redo. After speaking with XXXX, within days, I finally succeeded in getting that bogus charge removed. I e-mailed the company with my account reference number at XXXXXXXXXXXX about this being resolved, and never heard back from UCI ... for a while. 

Incidentally, in XXXX 2015 I received an invoice from that provider showing that I owed nothing. 

On XXXX XXXX, 2015, I received another phone call from XXXX about this purported debt, and he indicated no awareness that we had discussed this a few months earlier. ( At that time, I was n't sure if he was the person whom I 'd spoken to in XXXX. He said nothing when I told him that I 'd spoken with someone and did n't know if it was him or not. ) He asked me if I wanted to pay it through him right then and there -- trying to receive money from me over the phone which I did not owe. He gave me the same UCI account reference number that he 'd given me in XXXX. 

While I do n't blame UCI for trying to collect money from me in XXXX for a debt that they were told I owed, it is inexcusable that they would call me months later to receive payment for a " debt '' that even the provider had long acknowledged I did n't owe. Moreover, doing so -- telling me that I owed money which I did not -- was IN VIOLATION of 28-3814 ( f ) ( 5 ) of XXXX Code. 

Apart from the annoyance of harassment, my bigger concern has been a collections agency affecting my credit rating. 

I e-mailed XXXX and the company about this on XXXX XXXX, 2015, including a scan of the provider 's original assertion that I would not be charged for that procedure and also a scan of the XXXX invoice showing that that provider was requesting not one penny from me ( he had cited the same figure of {$130.00} that he had cited in XXXX, so it obviously was now resolved though he incompetently did n't confirm this before harassing me over the phone while I was at work ). 

On XXXX XXXX, I e-mailed the company at the XXXXXXXXXXXX address with my account reference number. I also called their phone number and left a message to alert them to all of this. I followed-up with another e-mail on XXXX XXXX, noting that I had already begun investigating legal action and became aware of that section of the XXXX code that they had unquestionably violated in harassing me by asserting that I owed money which I did not owe. 

On XXXX XXXX, I still had not heard from them with any assurance that they wold back off and that my credit rating would not be affected by any of this. 

Today is XXXX XXXX and I still have heard nothing. It has been three weeks since I last received communication from the company, when they insisted that I owed money and tried to have me pay it to them when I in fact owed nothing to that provider and had n't for months.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX I also contacted the credit bureaus about this matter which is affecting my credit worthiness.
Product: Student loan

My student loan was discharged in full on XX/XX/2023 by the Department of Education and I received a letter to that effect, but my servicer Mohela has refused to discharged my loan or refund the total amount I paid to all servicers of my student loans from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Based on contacting Transunion XXXX times, I believe this company has been hijacked. This is not a joke. 
Information about 4-5 accounts is incorrect, should have been deleted or adjustments haven't been made since XX/XX/year>. 
My last encounter began with giving all of my personal identifying information including my SS number to the automated system, a female voice answers and requests my email address, I give the email address and no one is on the line. I ask is someone there 3-4 times, hold on for one minute then the line is disconnected. 
That is all the information needed to steal someone's identity. 
I called back, this time spoke with a customer service representative and before she could say anything I requested a MOD, manager on duty. She said hold on, I asked her where was she located, she said XXXX XXXX, with a XXXX accent. I was put on hold for 20 minutes, then I hung up.

Before the last two calls, I called to complain about my report. There was a collection agency that I worked out a closure. The account is no longer on XXXX or XXXX, but it remains on Transunion. The conversation with the unprofessional representative got heated as his personality got involved with my complaints. This call was outsourced to the XXXX. 
The rudeness along with all of my identifying information makes me very vulnerable. I need help. Please find out what is going on with Transunion. I would like my information and account cleared out of their platform. 
Can your agency help?
Product: Student loan

My request is for MOHELA to review my account and count 48 payments made from XXXX as eligible payments for PSLF, as I was with a qualifying employer and on an income based repayment plan. XXXX  ( the Florida Department of Education loan holder ) is making it hard for me to process a TEPSLF by declining to upload to the Department of Education National Database, payments I made from XXXX. I filed for a hardship in XXXX and requested from the Florida Department of Education to reduce my monthly student loan payments. I was placed on an income based repayment ( see form attached ) I made 48 consecutive on-time payments ( payment history is attached ). A MOHELA supervisor ( case number XXXX ) instructed me to ask XXXX to upload the payments to the national database. XXXX has declined putting me behind on PSLF. Nothing has been reported since XXXX. XXXX emailed me my payment history and I uploaded it to the MOHELA website and have attached it here. I request MOHELA review my account and count these XXXX payments as qualifying payments for PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, All 3 credit reporting companies- XXXX, Transunion and XXXX have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well.

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( XXXX, XXXX, Transunion ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX XXXX  XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting

My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.
Product: Credit card or prepaid card

I just looked at my billing statement and noticed I had a fee for " debt protection. '' I never signed up for debt protection. I use automatic payments and have done so for years. I decided to look at past statements and was able to access statements going back to X/XX/15 and they all show that I have been charged every month for " debt protection. '' This is not a service I need, want, or authorized. After an internet search I saw that many other people have encountered the same issue and have gotten nowhere with Citibank to remedy the situation. I tried calling the number on the billing statement but could not reach an actual person. The credit card is for BestBuy and was originally issues by XXXX but is now serviced by Citibank.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance XXXX {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Goodleap is the lender for XXXX XXXX which went bankrupt on XX/XX/XXXX XXXX state Attorney Generals have requested all the lenders with XXXX XXXX customers suspend the loan payments. Goodleap is refusing to do that. My solar system is 100 percent nonfunctioning for close to a year now bc of installation and insulation faults. I have requested from Goodleap a letter stating that my payment not be raised in XX/XX/XXXX or XXXX/XXXX bc I havent reached the targeted balance they want by that time cause I cant afford to pay thousands extra my utility bill is very large bc of no solar Goodleap is refusing to work with its XXXX XXXX customers and ignoring the requests of 9 state AGs I havent stopped auto reg payments to Goodleap but they will not work with me to help me
Product: Debt collection

I am currently receiving collection letters from XXXX XXXX ( collection agency ) on behalf of XXXX XXXX. XXXX XXXX is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted XXXX XXXX to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
Product: Debt collection

My mother took my XXXX XXXX Credit Card a couple years and ran my credit up in my name. I've requested a dispute for months through here as well as in writing but nothing 's been resolved.
Product: Debt collection

There was no constructive notice of any money owed to the XXXX XXXX that I moved from in XXXX. All final payments were satisfied. I learned that I had a new collection in my name last week from the XXXX website credit alert. I paid the collection of {$300.00} to resolve any long term problems.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Company name : CONN CREDIT CORP Account Nuumber : XXXX
Product: Debt collection

Many years ago this company reported on my credit report and I never signed or borrowed any student loan from them. Years ago I only agreed to pay because I didnt want them reporting negatively. I disputed them before and now they have reappeared on my report. Ive asked who consented this loan because I never have. Im asking to have this removed from my credit report immediately. This is not a debt to student loan I consented to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to remove inaccurate, false and misleading bankruptcy information from my consumer report and they refuse. XXXX  deleted a

nd discharged the inaccurate information, however, Experian continues to report it. Now my consumer reports have inaccurate information and Experian is failing to ensure my consumer report contains accurate information. Experian also failed to reinvestigate the disputed item which is required by law. They are defa ming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission. They failed to provide me with written proof of the validation of a previous dispute regarding reporting a bankruptcy on my consumer report. I asked for them not to send me a templated response and provide all documentation
pertaining to the dispute. I only received a templated response.

DO NOT CLOSE THIS COMPLAINT. IT IS NOT A DUPLICATE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as confirmation that the debt associated with Account Number : XXXX XXXX XXXX has been fully resolved. The settlement payment of {$54.00} was completed in accordance with the agreed terms, and the balance is now XXXX. 

Please find the details of the settlement below : Debtor Name : XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX Settlement Amount : {$54.00} Payment Date : XX/XX/2025 This letter also confirms that this account should no longer reflect any outstanding balance and should be reported as Paid in Full or Settled to all relevant credit reporting agencies. 

If you have any further questions, or if additional documentation is required, please do not hesitate to contact me at [ XXXX ] or [ XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer 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 according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 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 or 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or
Product: Credit card

In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them XXXX on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with XXXX, XXXX and XXXX. The disputes came back as verified from Synchronicity Bank / XXXX This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Product: Credit card or prepaid card

someone open a account under my name and capitalone like it fraud and capital called me a lair
Product: Credit card or prepaid card

On statement was an unauthorized fraudulent charge on XX/XX/2021 for {$350.00} by vendor listed as XXXX XXXX XXXX XXXX. When I phoned I was told it was a mistake and they would refund it which they didn't. Phone call to CitiCards was immediately made. Fraudulent charge credited on XX/XX/XXXX. Then reposted on XX/XX/XXXX. Action already taken by me has been phone calls by me to Customer Service CitiCards since XXXX, when I received the statement, hard copies of complaint mailed to CitiCards, emails of complaint sent to CitiCards. I was told by Citicards in my phone calls ( XXXX, XXXX, XXXX, XXXX ) that I waited too long to complain and I was denied access to a supervisor. I was also told on the phone calls that the fraud had been removed ( false ) and that a legitimate charge from XXXX XXXX was being investigated though I didn't request it. Also email complaints were sent to XXXX XXXX and their parent companies XXXX XXXX and XXXX XXXX. All were ignored.
Product: Money transfer, virtual currency, or money service

I sent a transfer in the sum of {$1400.00} through MoneyGram on XX/XX/year> to be deposited to a bank account. It's been over XXXX month now and the transaction is still saying " processing '' on the MoneyGram site. This money was supposed to be for an emergency a month ago. It has not been credited to the bank account and MoneyGram is refusing to cancel/refund my money, which they have already taken from my debit card. They are claiming that it will take 90 days to investigate what happened. I do not have 90 days to be out of {$1400.00}. This has put me and my family in a big bind. The transaction reference number is : XXXX. 

Please help me as this money is needed urgently. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
Synchrony bank is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This synchrony Bank credit card is a medical credit card which I used for a dentist. By synchrony bank, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.