23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account name RENTDEBT AUTOMATED COLLE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX AT XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Affected by natural or declared disaster. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : CAPITAL ONE XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  ending what XXXX XXXX XXXX is the number given.. The complaint is that this credit card company sends out offers for people with good credit lots of companies do this they send you envelopes with credit offers and fees you take them and shred them or you throw them in the trash this company decided to go ahead and activate the card and put it on my credit court never send me any information never sent me any mail or the card which I consider to be fraud because I never approve this card I never had any business with this company I never seen the car until I see this charge on my on my credit report they said theyve closed the car they waive the fee doesnt stipulate the fact that its on my credit report and theyre doing this other people Ive been closed their phone number and the name of the company milestones any questions my number XXXX my email is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I notified Equifax of an invalid account on my credit file. The account is identified as XXXX XXXX. Under federal laws and FCRA guidelines section 609, I requested Equifax to investigate the account for validation and accuracy. Equifax exceeded the 30 investigation period therefore Equifax is in violation of FCRA section 609.
Product: Debt collection

Date Reported- XX/XX/2018 Consumer-LVNV FUNDING LLC Open Balance {$600.00} THIS IS NOT MY ACCOUNT. I HAVE DISPUTED NUMEROUS OF TIMES TO HAVE THIS RESOLVED AND EVEN CALLED THE COMPANY. PLEASE HAVE THIS REMOVED ASAP AS IT IS TARNISHING MY CREDIT/FICO PROFILES
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a checking account with US Bank which is headquartered in XXXX. The bank insists that some federal regulation requires it to send me a paper copy of a bank statement each month or to post this information online. The charge for a paper copy is XXXX XXXX. I do not want a monthly statement and want to waive this protection. I am willing to sign any waiver which relieves the bank of legal liability. The bank refuses to let me do so. Is my argument with the bank or the agency which promulgated the regulation?
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some secured loan that did not have permissible purpose and not belong to me and i am never apply for that loan, XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and i see on my transunion credit report that i have also late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX I was 30 Days behind on my installment loan payments. Im actually never late and this account is set up on auto pay. I was busy attending sxsw in XXXX and wasnt aware of the issue until after the fact it hit me credit score! This account is up to date and paid as agreed. I have less then 2 payments left. 
I want this account removed when I finish. Lowered my score XXXX Points for sketchy reporting.
Product: Debt collection

I received a call from ( XXXX ) XXXX to call ( XXXX ) XXXX Bushwood Capital about ( as thats what was left on the voicemail. ) It was the 1st call Ive received from them ever. When I called I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX was treating me to make decision on the actual today with me receiving validation or notice of the debt. I asked that he send a letter in the mail as email address I did not want to provide email as I did not know if they are scammers. Then after I spoke to XXXX I was transferred to XXXX. Same thing. Very aggressive and harassing me to make a decision today on an account I didnt know about. I did update my address but they said the will put down that I was unwilling to pay the debt, which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get a hold of Equifax dispute department after I already had talked to them to open dispute on an account with no Original creditor information and that is reporting a fake phone number so I cant fix the problem if I cant get in touch with creditor and or Equifax. the only name they have reporting is XXXX XXXX. They have also violated the FCRA by not marking account as in dispute.
Product: Debt collection

I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and Experian it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.
Product: Money transfer, virtual currency, or money service

On my Cash app account someone was able to buy XXXX WITHOUT MY PERMISSIONtheres was no one to call at CASH APP to dispute this transaction
Product: Student loan

I have been diffuculty paying {$600.00} a month of ontime payments to XXXX private student loan, from Key Bank, for nearly 6 years now. I pay $ XXXX monthly in total student loans. Last year, I came under a hard ship and begged for assistance from Key Bank to no prevail. They suggested and harrased that I should not pay my rent and other essential bills to get caught up on their payment. They called daily and threatened me and my cosigner ( who just had a baby and could not assist ) that they demanded payment. I asked for them to lower my payment to a more reasonable amount and they would laugh and hang up on me. I then would call and ask for time to get caught up on my payments. I would call and beg for assistance and finally contacted someone with a heart. They offered a short term deferment and let me go two months with out payment, but interest still incurred. I found out quickly that the derferment that was promised was never processed I nearly defaulted. I again was promised a two month derferment to bring my accountaccount to only 2 months past due. I had to fax over paperwork XXXX times because the paperwork kept going missing or was not processed correctly. During this time I contacted key bank daily and begged for assistance but they only demanded payment. I went to many key bank locations and talked to many branch managers who said it was wrong what they were doing to me, but none could offer assistance. Finally, XXXX branch manager gave me XXXX XXXX 's ( CEO ) corporate phone number and said to call and explain what had happened. I called and was given to a customer care specialist who listened to what had happened. They saw that I made years of on time payments, but their only suggestion was to default on part of the loan instead of the entire thing. Luckily, in that time I was promoted and received some assistance from a family member to make nearly a {$3000.00} payment to bring my account current days before the loan defaulted. Key Bank has never been helpful and has been down right rude when it comes to their student loan department. They no longer service student loans so the only people you can talk to regarding them work over seas and will hang up on you regularly. There is no such thing as customer service at Key Bank. Especially, if they know that they have you by the throat with a signed promisnary note. I 've never asked to not pay this student loan and understand I am liable for the remaining balance. However, I needed assistance and was given a run around to be threatened and hung up on multiple times. In sum, I learned that there is no assistance with my private student loan that I pay nearly {$7000.00} in annual interest on even during a dire hardship. Even if I have years of on time payments. In the end I only had more stress and a huge hit on my cosigner 's and my own credit. I pray that I continue doing well and can make on time payments because dealing with Key Bank is worse than anything I have ever done before. When I read what best describes my issue the ca n't repay my loan and dealing with the service both are what wrong.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXX XXXX  XXXX Acct # XXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
XXXX. XXXX XXXX but missing data see bank statement. Fix it or delete entire account. 
XXXX. XX/XX/XXXX paid amount but 30 days late. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in amount paid. How do I pay XXXX? Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in the amount paid. How do pay zero? Fix it or delete entire account. 
XXXX. XXXX thru XX/XX/XXXX missing data but ok. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid section. 
XXXX. Missing information XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. Fix it or delete entire account. 
XXXX. Incomplete and missing data from XX/XX/XXXX XXXX XX/XX/XXXX. Fix it or delete entire account.
Product: Checking or savings account

There was {$2000.00} worth of unauthorized charges on my account and i called chime to file a dispute. They denied the dispute and closed my account the next day.
Product: Payday loan, title loan, or personal loan

We sold our motorhome. The purchasers bank, XXXX XXXX, paid off our loan with Bank of the West. We received a letter from Bank of the West dated XX/XX/XXXX, that Bank of the West sent a lien release to XXXX XXXX. Bank of the West has not sent the title. I have called Bank of the West, my husband has called as has XXXX XXXX of XXXX XXXX, all to no avail. XXXX XXXX  received the release of lien letter but no title. The title is a XXXX title. 
Bank of the West told me that the DMV has to fax a request. 
We just want the XXXX  title. 
I wont even get into how Bank of the West failed to release the title to the State of XXXX, on three requests, when we moved to XXXX  in XX/XX/XXXX. 
On top of it all, XXXX  is a title holding state, so they should have mailed us the title months ago. 
I am so happy to no longer have business with Bank of the West. We would just like the title to the motorhome, so the purchaser can register it in Florida.
Product: Debt collection

Disputing this account and FCRA VIOLATIONS on this account several times. 

( Arizona Law ) haven't received any notices to Prior to selling the car, the lender must notify you of the date, time and location of the auction. which never been offered to me. which I requested numerous times & please enforce the fcra law I demand the documents or please remove. 

The original creditors and Credit bureaus reporting two different open dates. 

Last Payment is inaccurate that is a violation
Product: Credit reporting, credit repair services, 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

My mortgage was sold to Newrez LLC about 6 months ago. The company previously put me through significant red tape to change my private homeowners insurance to reflect this change in my recorded address ; # XXXX to XXXX for my escrow On Friday XX/XX/13 I received a letter from my mortgage company NewRez LLC stating that their records show my homeowners association ( HOA ) hazard insurance has expired. 

They also plan to buy insurance that may be significantly more expensive and may not provide as much coverage. 

I have a copy of the 42 page HOA policy which is in fact NOT expired and is required by XXXX XXXX Condo Law. Newrez is exceedingly difficult to communicate with and they want me to mail or FAX the proof of coverage within a timely fashion which is not defined. 

I am a XXXX XXXX of XXXX with a spotless record of payment and with a high Credit Rating of XXXX the last time I confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax since XX/XX/2021. I have submitted my Identity Theft report 7 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place. This company has tried to delay and stall the process by asking me to resend verification documents of my identity. I have sent a copy of my US Passport, Social Security card and a current utility bill with every dispute.
Product: Vehicle loan or lease

FRAUD. I DO NOT OWN THIS ACCOUNT. I NEVER OWNED OR PURCHASED THIS VEHICLE. VICTIM OF IDENTITY THEFT. THE COMPANY IS UAA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelve 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX   has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.
Product: Bank account or service

On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX  XXXX | Credit Card
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act Mohela/Dept.of XXXX, XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.