23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX via Experian on my XXXX XXXX site. One day it just dropped over 160 points. Since NO ONE will answer as to who reported my credit card account 120 days late no one will tell however it most certainly was and is a lie. The bank of course has fully backed me up and I have NEVER been close to being late EVER. I filed a dispute was told it would take 30 days within two days they said there " investigation was done '' and l was to look at the results which were nothing. They were nothing because Experian lied plain and simple they NEVER looked into anything including their own site. IF they had looked at their own site where I was listed over 120 days late they would see that that was impossible because they had each and every payment listed and logged but went ahead and lowered my score and refuse to lift it back up. When I call them I can only talk to foreignors who speak only from a script and I get nowhere. But I'm being punished by the auto insurance industry who raised my rates significantly because of the score regardless of my perfect driving record.
Product: Debt collection

MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX ( XXXX ) XXXX 3 accounts 1. {$75.00} 2. {$75.00} 3. {$260.00} I called advised these were removed from my credit report because fraud identity and months later they have not been removed from my credit report which is effective on my score
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete following accounts : XXXX XXXX, Acct XXXX XXXX bal. {$19000.00}
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Experian and XXXX about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my vehicle was hit by another vehicle. The owner of the vehicle had XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> I notified Hyundai Motor Finance Several times that the car had been totaled after seeing that they were reporting me as late on my credit report every month after I was told reporting would stop due to the car being totaled. Between XXXX and XXXX XXXX XXXX XXXXXXXX XXXX advised that the car was in fact totaled and that the party at fault had a limitation to pay out {$10000.00}. I was sent a check wrote out to myself and Hyundai Motor Finance. I signed the check and sent it into the lease holder whom cash the check and applied it to the balance of the vehicle. After they applied the funs they still continued to report the car late stating they were waiting for a breakdown letter from XXXX XXXX. In the mean time both parties said they would not pick up the car. XXXX XXXX stated because the car was valued at around {$24000.00} and they only could provide {$10000.00} they legally could not take the car. Hyundai motor advised since the car was deemed total they would not want the vehicle back and therefore I was stuck with the vehicle. For months I went back and forth with Hyundai Motor and XXXX XXXX to get the necessary paperwork so that Hyundai Motor could apply the GUARANTEED GAP Insurance that came with all leases within the USA according to the finance manager at Hyundai where I purchased as he also tried to help me and call into Hyundai motor finance. Ultimately because of one piece a paper I the customer was left with a recked car to store and also continuous billing on my credit that greatly affected my score. To make matters worst while hospitalized the car was towed as it was believe it was abandoned at my apartment complex. The tow company after holding the vehicle for a while reached out to Hyundai Motor who retrieved the vehicle. Hyundai Motor after almost of year of refusing to obtain the recked car after the accident charged me with a repossession fee when the car was in fact never repossessed. Two years later Hyundai Motor Finance is still reporting the car as charged off/repossessed. Both XXXX XXXX and Hyundai Motor Finance never provided me with the proper documentation or explanation on why they deemed the car totaled without the proper paperwork and why gap was never applied. Hyundai Motor Finance never sent the required documentation to give paperwork showing what happened with the car after retrieval
Product: Credit reporting or other personal consumer reports

I sent multiple companies request to remove hard inquiries that keep affecting my credit due to data breaches by XXXX and Equifax exposed my personal information I need my credit report fixed and negative information impacting my report removed.
Product: Debt collection

This company keeps calling and leaving voicemails which I have been keeping record. They sent me a letter in the mail stating I owe XXXX XXXX XXXXXXXX XXXX XXXX {$290.00}.
Product: Credit card or prepaid card

I made a eligible purchase using my Delta Platinum card over 8 weeks ago and met the minimum spend requirement for sign up bonus. I haven't got the delta miles bonus yet and have not been able to transfer membership reward points to other partners.
Product: Student loan

I made a request on XX/XX/2022 for student loan payments to be refunded per the CARES act through Aidvantage. I have called twice since and have received no update or change in status for the refund, it has now been 6 weeks. Please help.
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. l 've endured harm because of this FCRA infringement I'm entitled to compensation for this violation wh ich I would prefer in the form of DELETIONS otherwise I'll have to forward it* to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Credit card or prepaid card

Im trying to catch up in all my payment but Capital One bank keeps charging me fees and interest rates and is making it super hard for me to catch up. I called and ask if they can take off the late payments so I can catch up and they told me No. 

XXXX  XXXX account Ending in XXXX CHARGE : Past due fee {$33.00} XX/XX/XXXX Capital One Walmart Rewards XXXX Past due amount {$28.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Past due amount {$18.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Interest charge {$6.00}. XX/XX/XXXX XXXX  card XXXX XXXX charge {$3.00} XX/XX/XXXX Past due. {$40.00} XX/XX/XXXX Interest charge. {$3.00} XX/XX/XXXX Past due. {$25.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to XXXX. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.
Product: Mortgage

When I had my previous mortgage company I was allow to pay with different methods. Y went online to make payments with my credit cards and the system said I needed to change methods payment. When I did it didnt let me pay with my credit card and now is not allowing me to setup automatic payment on the XXXX of every month like my previous company allowed me too for the last 9 years.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries made. The Hard inquiries made a result of identity theft, and that they must be removed no later than four business days
Product: Debt collection

I was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they represented DNF Associates, LLC regarding a so-called debt with XXXX XXXX XXXX account in the amount of {$2600.00}. I disputed on XX/XX/XXXX via certified mail return receipt of their claim of debt in the amount of {$2500.00}. I communicated that I did not owe this debt. I disputed the validity of their claim of debt in the amount of {$2600.00} due to DNF Associates, LLC. given the claim of indebtedness is without basis or merit. I did not have or ever had a XXXX XXXX account, In addition, I do not have a business relation nor history of any business transactions with XXXX XXXX nor DNF Associates, LLC. I requested as of XX/XX/XXXX pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ) Validating Debts that they provide proof to me of the following : - amount of the debt including evidence of any and all transactions giving rise to this so call claim of debt ; - the name of the creditor to whom the debt is owed ; - verification or copy of any judgment ; - evidence a XXXX XXXX account in my name ; - evidence a business relationship with the original creditor ; and - proof that they are licensed to collect debts in XXXX XXXX XXXX XXXX responded on XX/XX/XXXX to my XX/XX/XXXX request and failed to provide and information evidencing that I incur the so called indebtedness with XXXX XXXX via a XXXX account. On XX/XX/XXXX I was served with a summons concerning a Civil Complaint in the State of Michigan in the XXXX District Count for the County of XXXX with DNF Associated , LLC. by and through its attorneys. XXXX XXXX XXXX XXXX XXXX. the Jurisdictional Allegations 1. Plaintiff is the assignee of Defendant 's account with XXXX XXXX XXXX 2. The amount in controversy, exclusive of interest and costs, is less than {$25000.00} On XX/XX/XXXX, I filed with an Answer and Affirmative Defenses to Plaintiff 's Complaint. I denied all of the Plaintiff 's Claim for Relief and provided my Affirmative Defenses : 1. Lack of Privity. I asserted that there is no contractual relationship of agreement between the plaintiff, or the plaintiff 's assignor and the defendant. Specifically, I never entered into the contract of agreement alleged in the Complaint, and I am the victim of identity theft and the account, contract or agreement was created with my knowledge or consent. I therefore report this complaint to the Consumer Financial Protection Bureau of identity theft and ask for your assistance,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX ACCT : XXXX XXXX : {$2300.00} AMT : {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive disputed this charge ( {$110.00} from XXXX XXXX XXXX ) through cash app on 4 different occasions and havent each time theyve been denied with no explanation. Ive been asking for the evidence used to make the decision and have been getting a run around. I initially asked for a refund XX/XX/XXXX XXXX months after I placed the order with no update and didnt get a response, so I first disputed the charge XX/XX/XXXX. XX/XX/XXXX I received the letter in the mail from the merchant saying email them for a refund, which I have and still havent gotten a response. XX/XX/XXXX a couple days before the dispute would close I received an email saying it was denied, I have not received the products ordered so I dont see why would it be. Each time I dispute the purchase and reach out to support Im told Id be transferred to a speciality team only to have the dispute denied.
Product: Debt collection

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

I have also sent numerous emails to both the caand XXXX. I discontinued my service in XX/XX/XXXX due to fhronic issues with XXXX  for charging me for cable but it never worked, equipment i couldnt use since servicedid not work andfor charging me rates thatwere not agreed to. Thry illegally chsrged me for three months service st inflated rates after i stopped service. They also promised me full credit for service and equioment fees for the 7 months i chrinically complainedut was forced to pay on threats till i saidenough was enough and i would not pay. They then cut me and i cancelled all services. I had no contract no committment when wegot the services. Ivebern fighting this over ayear now and they keep damaging my credit. I have filed aFGG complaint. They havent responded to my responsesfor infotmation thry requested and are violating oth the FCRA and FDCPA
Product: Debt collection

My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my mortgage and i was told by the mortgage company that there was an open dispute on my Citibank Costco Visa account on all 3 of credit reporting agencies. I have called Citibank 4 times including today and spent a lot of time to get this straightened out. They keep passing me to extensions that do not pick or return messages. I spoke to someone today who told me i had to get it fixed myself with the credit reporting agencies. I said no and told him it was their mistake and they need to fix it. He said he would fill out a report and someone will get back to me within 30 days. I said that was unacceptable since my mortgage can not go forward until this issue was fixed and he said that was the best he could do.
Product: Credit reporting

I have a security freeze on my credit report with Equifax. I have misplaced the PIN to lift the freeze, and would like a new PIN. I sent certified letters on XX/XX/XXXX and XX/XX/XXXX requesting a new PIN, and included copies of 2 forms of ID. The response to my first letter was a form letter stating they could not lift the security freeze without my PIN. The response to my second letter was a form letter stating they had updated my current address within the last 30 days. ( I have a copy of verification of the initial security freeze dated XX/XX/2014, and it includes the address they claim to have updated within the previous 30 days )
Product: Debt collection

This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.
Product: Debt collection

I called   XXXX   XXXX   XXXX   XXXX  and spoke to  XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from  XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my  XXXX  receipt show was returned. I used to work for  XXXX  and I know as a matter of fact that  XXXX  is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on    XXXX   XXXX  , 2017 and returned  all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call  XXXX . When I called  XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the error
Product: Student loan

I had a Sallie Mae loan in XXXX. I went to XXXX XXXX. For one Quarter and I was asked to leave. 
I than enlisted in the XXXX and went to XXXX XXXX in XXXX of XXXX and served until XXXX. I got out and c went to XXXX XXXX on my XXXX XXXXXXXX. From XXXX until the present. My loan shifted hands three times and is been Navient for some time. Ive had like five tax refunds given to pay them and yet my balance is like XXXX for one and XXXX for another. So XXXX. My tax refunds added up to more than that Plus I went there for like a quarter maybe 38 years ago. And as I was looking into buying a home they pop back up in like XXXX. At which maybe my balance was maybe XXXX for both. I dont even know to be honest its 38 years ago I thought they took there money from my tax returns. But when buying my house they got me to do income based. Probably in XXXX after my wife was killed they found me I do not believe I owe them. I believe Sallie Mae or other company got their money from my federal income tax refunds. Its XXXX and after my wife was killed I started to try and get credit and build my score. I did and than Covid took that work away and companys like Navient didnt help They scare or trick me into deferments but I dont even think I ever signed anything now Im working on fixing the mess from Covid and this is the first lender that I believe has already been repaid or the seven year debt has long past. So if you cant help me. Im a veteran of the United States XXXX XXXX. I served in XXXX XXXX went into XXXX and Im 50 % XXXX from XXXX. I just now returning to normal working hours since Covid. During which I worked 3 months XXXX months and just could pay anyone. So any bit of guidance wil be appreciated. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX WAS DENIED FOR A LIFE INSURANCE POLICY VIA EVIDENCE OF INSURABILITY BY XXXX XXXX. THEY THEN STATED INFORMATION CAME FROM XXXXXXXX XXXX- WHEN REPORT WAS FINALLY SENT IT OBTAINED SEVERAL MEDICAL DIAGNOSIS AND VISITS THAT WERE NOT MINE.THE MEDICAL RELATED INCIDENTS AND VISITS WERE NOT MINE AND ARE NEGATIVELY EFFECTING MY PERSONAL LIFE. NO ONE CAN HELP US AND THIS WAS THE LINK SENT BY MILLIMAN INTELLISCRIPT WITH FALSE INFORMATION.