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

This is a 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 accounts 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 accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.
Product: Debt collection

Smith Rouchon & Associates XXXX XXXX XXXX XXXX XXXX, AL XXXX Have repeatedly violated Title 16 USC 1692 ( a ) ( k ) ( d ) ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. 
( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. 
( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.

( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. 

( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding inaccuracies in my consumer credit report. After reviewing my report, I noticed discrepancies with the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notice of dispute for a procedural investigation into these accounts, outlining the inaccuracies. However, the results of the investigation came back as " verified, '' and XXXX account was marked as updated, yet the inaccuracies remain in my report.TransUnion did not conduct a reasonable or thorough investigation into these accounts, as I still see discrepancies in the reporting. The failure to fully correct these errors is causing harm to my credit and is preventing me from having accurate and fair credit information.
Product: Credit card

I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.
Product: Credit card

I believe the accounts are invalid. XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records. BANK OF AMERICA XXXX, BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these inquiries and want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I went to bar in Arkansas and my American Express card was charged XXXX dollars when I did not authorize these charges. My wallet was taken, and all my cards were used for a lot of charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX and Experian committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX 2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquires that I did not do. I tried to solve it with Transunion and contacting the creditors. Transunion hasn't replied its been over 30 days!
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report.

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.
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.

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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.
Product: Credit reporting

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?
Product: Debt collection

Nelnet your reply is misprsentative. sending a billing statement means Collection. I am not enrolled in a new fresh start program and do not want to be enrolled in a new fresh program. Nelnet your contract with the U.S. Department of Education does n ot start until XX/XX/XXXX. Nelnet contract is to service student loans that are owned by the U.S. Department of Education. The U.S. Department of Education also owns Federal Family Education Loan Program FFLE student loans. Nelnet tell me if this loan is owned by the U.S. Department of Education dated XX/XX/XXXX. 
Nelnet you wrote under the Freedom of Information Act you are required to validate the debt but I do not see the federal lender name who orginated the federal consolidation education code.

( 1 ) Under the Freedom of Information Act for your fruadently federal consolidate loan student loan send me the federal lender education code who orginated the federal consolidation .on XX/XX/XXXX and the federal lender orginator address and phone number and website. 
( 2 ) Send me the lender name who received the distrubition amount of {$49000.00} on XX/XX/XXXX. 
( 4 ) Nelnet you wrote the note was completed under the Electronic Signatures Act Global and National Commerce Act under the Act .Nelnet is required send the ESign Contract. 
( 5 ) Nlenet you wrote for me to look into the National Student Loan Data System ( NSLDS ) Nelnet look into the NSLDS dated XX/XX/XXXX it says DEFAULTED, UNRESOVED. 
On XX/XX/XXXX DEFAULTED, COLLECTION TERMINATED. 
( 6 ) Nelnet send me the letter for the U.S Department of Education reading the fraudulent federal student loan was in the Fresh Start Program without my permission. 
( 7 ) Nelnet send your license number to service this fraudulent federal consoldation loan as of this dated XXXX XXXX, XXXX. 
( 8 ) Nelnet who is the guarantor of this fraudulent federal student loan dated XX/XX/XXXX. 
( 9 ) Nelnet on the fraudulent federal student loan what address did I live at XX/XX/XXXX. 
( 10 ) Nelnet why do you illegal use the word ED behind your name the other servicers do not? 
( 11 ) NELNET LISTEN TO ME I AM NOT GOING TO PAY ONE PENNY ON FRAUDULENT STUDENT LOAN. STOP SENDING ME BILING STATEMENTS FOR COLLECTION. I WILL NOT BE FILLING OUT YOUR DISCHARGE FORM BECAUSE YOU ARE IN ILLEGAL CUSTODY OF THE FRAUDULENT FEDERAL STUDENT THAT WAS TERMINATED BY THE U.S.DEPARTMENT OF EDUCATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of XXXX XXXX 's XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, XXXX and Equifax. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!
Product: Debt collection

I cancelled my gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) via a direct email to the gym management. The manager stated I needed to cancel online. My account was fully up to date. When I attempted to cancel, I continued getting errors and was unable to cancel. I informed XXXX XXXX XXXX of this and they disregarded my email and continued charging me for months without my knowledge. 

Moving forward, their company XXXX XXXX XXXX was incredibly unhelpful. I disputed the amount owed and told me to pay on their website or via their customer service. The website had not way to pay, and Customer Service continue to direct me to an automated system that failed in dozens of attempts. They would not accept a check mailed to them and said the only way I could pay was in person at their club, which was an impossibility for me to get back to the club. I gave many good faith attempts to pay which were ignored. At that point, I did not hear back from XXXX XXXX for many months until I applied for a home mortgage loan. 

To my surprise, my lender informed me that I had a debt collection on my credit report from XXXX XXXX and XXXX XXXX on behalf of XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX had not properly notified me of the debt and said on the phone " you should have checked your junk/spam folder. '' I had not been called or received proper notice via USPS -- it was a shock to see it on there as they had made no attempts to reach me. Multiple attempts to XXXX XXXX and XXXX XXXX have proved unsuccessful. They will not respond to emails or give any answers on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting late payments and is still showing on my credit when account is paid off.
Product: Debt collection

Some fitness company is calling claiming there is a problem with my account. I do n't have a membership. They call during my work hours non stop.
Product: Mortgage

I paid off my mortgagein the amount of {$130000.00} on XX/XX/XXXX of 2021 to Dovenmuehle mortgage. They owe me {$780.00} in escrow and still have yet to send me a check in that amount. I have called and chatted multiple times about this issue and they give me the same lines every time. " There was a problem in processing this refund, would you like to open a work order? '' Nothing has been resolved to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers 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.
Product: Debt collection

A couple months back I noticed a collection on my credit report which I know was wrong. There was a XXXX collection being collected by Enhanced Recovery. I haven't had XXXX in years. On top of that, I paid them off and in full with a previous collection agency several years ago. There should be no reason why I should owe this money. 

In XXXX I sent dispute letters to the credit bureaus and Enhanced Recovery but I never received a response from any of these companies. I'm not asking for much. Please delete this account from my report since I already paid it years ago with a different collection agency.