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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Owed : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

So I opened the CitiXX/XX/XXXX Visa Signature Card XX/XX/XXXX ( as far as I can recall ) and closed it XX/XX/XXXX, the reason I got this card is because it has a benefit that after spending {$10000.00} in a year you receive a XXXX anniversary night valid on weekends on most XXXX   properties. The first year I received the night as promised after completing the spend. Second year ( XX/XX/XXXX-XX/XX/XXXX ) I was never credited with the anniversary night, I reached out to Citi to clarify the issue, long story short after a whole bunch of phone calls I finally spoke to someone who understood the issue, she pulled up the statements and confirmed that indeed I had spent more than the requisite 10k ( ~ {$10000.00} ) and said it was odd that I was not credited with a free night. She said the most she could do was credit me {$100.00} but she understands that the night is worth more ( it can be worth upwards of {$1000.00} ) so she will put a note on the account. I call a week later and find out I got a {$100.00} credit ( which I specifically said I was not willing to take ), spoke to other reps who said they will escalate the issue and I should call back in 3-5 Business days so I called back and after waiting 30 minutes on hold was transferred yet again to XXXX who of course claim they never got the anniversary certificate and I need to speak with Citi. Since then I called 3 more times finally I was transferred to someone who told me that the account was examined and I wasn't eligible, I replied that I had the statements and it didn't make sense, to which she responded that I could send in the statements by mail and file a complaint.

I have spent many hours on hold simply asking for what was clearly in the XXXX XXXX XXXX at least three times representatives simply transferred me to XXXX thereby wasting my time ( since it's not XXXX 's fault I was never given the certificate ). It is amazing how I keep getting stonewalled until finally someone simply tells me that they don't want to give it to me and can not provide any support for their position. I have never missed a payment, NEVER had a late payment and feel that the whole handling of this situation is terribly unfair. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
BRIDGECREST CREDIT C XXXX Balance : {$0.00}
Product: Student loan

I believe I have made XXXX of the XXXX payments required to receive student loan forgiveness under XXXX based on the one-time account adjustment. There was an error in my student loan data file ( XXXX XXXX consolidation loan with status of XXXX instead of PN ) which caused a great number of payments to not be counted. I believe this was the only reason my account was not identified for forgiveness with the first wave of accounts in XX/XX/XXXX. 

Since then, I have spent many, many hours on hold with Navient, XXXX, and studentaid.gov, approximately XXXX hours per call. The servicers were eventually helpful. Navient was able to provide documentation that the loan in question was paid by consolidation, and XXXX was able to arrange for XXXX to update the student loan data file. 

I have also spent many many hours on hold with XXXX. The representatives here, particularly a male supervisor on one of my first two calls, were extremely rude to my wife, dismissive, and judgemental about my financial planning strategies. This particular supervisor did advise that we submit a feedback case to studentaid.gov, then call back 3 days later and ask that it be escalated to an Ombudsperson AND also ask XXXX to create an Ombudsman case. 

I have taken all the recommended steps : - Submitted a feedback case ( XXXX ) to XXXX - XX/XX/XXXX - Requested escalation of the case to the Ombudsman through XXXX - XXXX - Requested escalation of my problem to the Ombudsman through XXXX - Submitted documentation of corrected loan status to studentaid.gov - XX/XX/XXXX - Requested a payment count and for my account to be evaluated for forgiveness XX/XX/XXXX To date, XXXX has taken no action, at least none that that I'm aware of. 

I have made over {$5000.00} in student loan payments since I reached the required XXXX and am currently in repayment. I am very much in need of that cash and also of the news of forgiveness. 

I am hopeful that with your involvement XXXX or XXXX may find themselves motivated to respond to my inquiries. 

Thank you.
Product: Debt collection

Repeated recorded calls to my home. I returned call. Was told they were looking for XXXX. I very politely told them they had the wrong phone number - no XXXX name XXXX lives here. Furthermore I do not know a XXXX. Still calling my home repeatedly. I attempted to call & tell them again that they have the wrong number but was unable as I now get a recording that they will not accept calls from my number. This is harassment! They keep calling my home with no purpose. Leaving messages to call them immediately while blocking calls from me.
Product: Debt collection

I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.
Product: Vehicle loan or lease

On XXXX ( XXXX XXXX XXXX ), my boyfriend and I were involved in an accident, he drove because I didn't have my glasses with me, and we wanted to celebrate XXXX XXXX XXXX with the kids. A child got in front of the car and to avoid hitting the child my boyfriend hit a pole. We immediately called XXXX insurance and was told by the towing company that XXXX is closed on the weekends, and no one can't help me. The XXXX company refused to pick up my car until the insurance open the claim, I explained to them that I needed to get the car to a shop I was unable to leave the car at XXXX over night, they finally agreed to take it. I am not sure how XXXX insurance can be close when an emergency happens. On Monday XX/XX/2022 I called the claims department and spoke with XXXX XXXX # XXXX, I explained the accident to him, and not once did he ask if I was ok, he asked who was driving I said my boyfriend 's name and he immediately said " your claim is denied '' you will get a letter in the mail and hang up on me. I called him back, as the towing company was refusing to release my car, they will only release the car to XXXX insurance and not me. XXXX answered and said, " the towing is your responsibility we are not paying for that, your claim is denied ''. I asked for his supervisor, he said why do you want to talk to him your claim is denied and there is nothing that you can do about it, you have an excluded driver, and we will not be paying the claim and hang up on me again. My boyfriend 's mom called XXXX XXXX, as we needed to get the car moved because the towing company was charging storage and he finally release the name of his supervisor XXXX XXXX but will not send the release to the towing company. We called XXXX, and he explained why the claim was denied. We asked if the XXXX holder ( Ford Credit ) can file a claim on my behalf and he said " yes '', to have XXXX call him and they will proceed with a lien holders claim. XXXX sent the release to the towing company, and we were able to move the car to a body shop. The name of the shop is : XXXX Auto Body XXXX XXXX XXXX XXXX XXXX CA XXXX # XXXX. I called XXXX several times to advised them of the accident and that I needed their help to file a claim for me. After the 5th time I finally spoke with XXXX, I gave her all the information for the shop and the insurance, she told me she will call. I received a call from the shop, and they said no one had called them. I called Ford again and they said that they called the shop and the insurance, and no one answered. I have been calling Ford for over a month now and no one will answer, would like to know if they can file the lien holders claim and I can get my car fix, as XXXX insurance promised to honor the lien holders claim. My account is current, and I have never been late I just want to be able to use my car again. The shop might file for a lien sale if the insurance doesn't call them. The repairs are {$9300.00}. I want to continue making my payments and keep my car, I don't want this issue to affect my credit. I already filed a complaint with the Department of XXXX  and with the XXXX  against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$690.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I am a victim of unfair debt collection practices. The company RESURGENT/LVNV FUNDING is knowingly furnishing false and misleading account information in my name to XXXX XXXX XXXX XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting or other personal consumer reports

I requested that TransUnion send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently three ( 3 ) collection accounts showing on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting PROOF OF THESE ALLEGED DEBTS be provided to me immediately. Proof needs to show WHEN these companies obtained these accounts from the original creditors. I am also requesting proof of the original consumer signed contracts with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where these alleged debts were sold to each collection company with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that these collection companies are licensed to collect in my state, with each collection company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Product: Debt collection

I have been working with the team at Trust Financial on a debt that I owe. They have been good to work with. I still dispute the debt with the original creditor, which has nothing to do with Trust, but know it should be reported to the credit bureaus based on what they have. However, when I saw the debt on my credit report it is being reported by a XXXX XXXX XXXX XXXX. I have never heard of XXXX XXXX before this and have never been contacted by them. I tried to find information on XXXXXXXX XXXX within the state of Idaho and when I did I found documents that show that XXXX XXXX has been dissolved as a company by the state. I did further research and see that the principal names on the documents also own other agencies in the state of Idaho, including a law office as they are lawyers. I tried to call XXXX XXXX and the number was not for XXXXXXXX XXXX, but a number of other collection companies. I spoke with an agent from Trust Financial, and they said that they " bought '' XXXX XXXX. When I asked then why it is XXXX XXXX as the owner of the debt and that I saw it as fraud, the person I was speaking to told me they would hang up on me if I continued. I asked how a company that no longer exists can report to credit bureaus and the agent hung up on me!
Product: Debt collection

After pulling a copy of my credit report I noticed this company reporting inaccurate unproven information on my credit report in which I have requested for a compliance check with the credit bureaus in which they have ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I was charged {$39.00} for a subscription I wasnt aware I signed up for. I called in and was advised that their monthly subscriptions is only {$19.00} and she didnt see a charge for {$39.00}. I requested a refund and for the rep to cancel the subscription. The rep advised that she would cancel the subscription but cant request a refund for something that wasnt charged by them. I called back and spoke with someone else whom advised she would put in the dispute and cancel the subscription. As Im waiting for a resolution XX/XX/23 I get another charge for {$19.00} after being advised twice it was cancelled. I called in again and spoke with a gentleman whom assured me that the subscription would be cancelled and the dispute will be resolved within 7-10 days. I lease refunded for the XX/XX/XXXX transaction but not the XX/XX/XXXX transaction. I called in today XX/XX/XXXX and was advised the dispute was denied because I didnt call in. I explained to the rep about the multiple calls I made and he stated he would escalate the issue again as if its gone be the same result. This rep was able to confirm that he see 2 charges so Im confused as to why my original dispute was denied.
Product: Mortgage

I applied for a loan modification through Chase, sent all of my paperwork and they will not review it. Chase advised that they will not review my information since i was previously offered a trial plan. Unfortunately, the trial plan that was previously offered was not affordable. Since the trial plan offered, my circumstances have changed and i am now receiving more income. I am in a position to accept a trial plan if offered. Now, Chase is telling me they will not re-open another loss mitigation workout for me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( XXXX, Experian and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call XXXX and Experian and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. XXXX and Experian said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since XXXX and Experian and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Product: Credit reporting or other personal consumer reports

As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.