23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year> I received a letter from Discover Card stating that I was being sent to collections. I called the number on the letter and asked what this was about as I didn't know I had any charges to Discover Card. I explained that I had not received any statements in the mail showing that I had a balance at Discover. They have stated that they had sent the statements and nothing was returned. As of yesterday ( XX/XX/year> ) received the statements that were supposed to have been sent to me. I was a customer with Discover for 15 years and was always on time with my payments. I asked why wasn't I notified before getting a letter to be sent to collections. They said they had tried calling and I asked if any messages had been left, as I work during the day, they said they don't typically leave messages as everything is automated. When I received the letter I wanted to dispute the charges of {$440.00}, but my husband called again and the lady on the phone ( XXXX ) advised him to do the charge off amount ( {$300.00} ) leaving a balance with Discover of about {$130.00}. We did this with the understanding that we would be in good standing with Discover and our credit. I was told the conversation was recorded, but we as the consumer, can not listen to recordings. I hadn't been concerned until XXXX weeks ago I tried to co-sign on a loan with my son. I was denied and the reason being serious delinquency, and after digging it was the amount left at discover of {$130.00}. I have called discover almost daily to try and pay the remaining amount. I have been told they can't reopen the account. I was a 15 year customer always paying my bills on time, I am just asking for the account to be reopened and pay the remaining amount, but have been told this is impossible. I have also been told by others and have done some digging myself that in fact it is possible to reopen the account and pay off the balance. I have talked with XXXX from the Executive Consumer Advocacy through Discover, I was told by him to go through my states Attorney General to push to get the account reopened and paid off. 
I have never had a delinquent account so this was all new to my husband and I. We do not have anything in writing from the events. But now have been pushing for more to be done in writing, which Discover is very hesitant to do I have found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} U S DEPT OFED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a company claiming to be Ace Cash Express in XXXX. The representative stated that a server was on the way to my house if I didn't take care of this debt with them right now on the phone. I would have to call back and give a person a code in order to intercept the server. I was threatened with legal action and garnishment. The communication tactics were threatening and very aggressive. I called to reason with the person. They would not take payment arrangements. I asked for debt validation. After not receiving any information for more than a month, I called them yesterday ( XX/XX/20 ). The lady I spoke to was very aggressive, making threats. She refused to give me an address, saying that bc they handle sensitive cases such as divorce and child support, they don't give out their address bc they have to protect their clients. She asked me to hold while she looks for their P.O. Box then returned to tell me they only take electronic payments and could not give me an address. I asked for a website and she told me that they didn't have one bc they were a private company. She said they were a pre-litigation firm and the judge would add {$2400.00} to the amount that I owe. She said that I should pay my bills if I didn't want to be in this predicament. She was yelling and being abusive. I asked for a manager and she stated that I could not speak to anyone else bc she was the floor manager. I tried to set up reasonable payment arrangements and she said that was not possible if I wouldn't agree to pay {$100.00} today. I told her that I didn't believe I owed the debt because I have not received debt validation from them. She hung up abruptly. I called the number back, hoping to get a different person. The same lady with a XXXX accent answered the call and said, See xxxx ( my name ), I am the only one you can speak to. If you call this number, I will answer bc I am the manager. She did not say Hello or tell me her company name. I told her that she was aggressive, rude, and disrespectful. She said well, you should pay your bills. I hung up and a lady called me back. This person apologized for other lady. She gave me her name and went over details about the alleged debt. She said that she couldn't take less than {$150.00} ( other lady said 100 ). I asked about a settlement. She gave me an amount of {$400.00}. I said I didn't have that amount but could pay {$320.00}. She agreed and promised that I would have a paid in full receipt within 15 minutes and that I would have a letter that would be all I needed to have item removed from my credit. I asked what name would appear on my bank statement, she said XXXX XXXX. I told her that other lady told me Ace Cash Express. She said they were a pre-litigation firm. I didn't receive receipt or an email. After 6 hours, I still didn't receive anything. Even this morning. The phone number given to me was XXXX.
Product: Credit card

XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.
Product: Vehicle loan or lease

I went into XXXX XXXXXXXX XXXX XXXX XXXX, on XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. I purchased the vehicle while under mental duress, had been hospitalized prior to and was under medication. I worked with XXXX XXXX someone I had thought I could trust. 

The sales process took a very long time, I was given an interest rate around 20 %. I was told my credit would drop and it would hurt my ability to shop around. I was encouraged to omit information about my income to qualify for the loan, I was concerned of consequent and they assured me it was normal. I know I was sold a car loan and they are profiting very much off of my struggle. Im paying XXXX for a car that has had to have its engine replaced. I purchased the car on XX/XX/2017 and have made all payments. Ive called for assistance to cancel the loan and return the car and told that wasnt an option. I also feel this deal was related to my employment with XXXX XXXX, the manager of the dealer ship had done business with the entity I worked for and I had heard from his trainer who actually trained his wife that there was infidelity. Thats information that was privledged and I didnt need to know that I feel influenced someone to work against me instead of with me for help I requested. While That may not be the case, its confusing why I was encouraged to omit info and I also called Chrysler capital to try to get help. My balance is around XXXX, and with the payments set the way they are I will have laid XXXX for 72 months for a car advertised at XXXX. This loan is designed to make the car cost about 2x what I was lead to believe. I was also told the loan was only good for that day like a do it now or lose deal, as they mentioned it would hurt my ability to shop at another dealership for running my credit.

Please help, Im struggling a lot with mental health as well as paying this bill. Weve lost important family due to COVID-19 and I desperately need a way to lower this payment or get rid of the vehicle, I am unfortunately at risk for repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter of concern regarding certain accounts appearing on my credit report. 

ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Despite my persistent efforts to dispute the accuracy of these accounts and ensure their verification, I have encountered significant challenges due to a lack of adequate information. Consequently, I am unable to confirm the validity of these accounts. 

Given the limited information available and the absence of proper verification, I strongly believe that these accounts may be the result of identity theft or a mix-up of files. In light of this situation, I kindly request the immediate closure and removal of these accounts from my credit reporting. 

While I want to Reserve my intention to take appropriate action in response to the ongoing violations associated with these accounts, I emphasize that my primary objective is the prompt closure and removal of these erroneous entries. By promptly addressing this matter, we can work together to resolve the issue and alleviate any concerns. 

I trust that you share my commitment to maintaining accuracy and fairness in credit reporting. Resolving this matter swiftly and ensuring the accuracy of my credit report are in everyone 's best interest. 

I kindly request your urgent attention to this matter, and I expect a timely response acknowledging the closure and removal of the mentioned accounts from my credit reporting. Once this action has been completed, I would appreciate receiving written confirmation. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I remain hopeful that we can reach a fair and civil resolution.
Product: Debt collection

I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.
Product: Credit reporting or other personal consumer reports

Sent official letter and request investigate collection and sent back the result. Received letter without any validation just said that all is correct. Therefore I have sent all proofs that this collection is not correct and I am still in a dispute process with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I noticed that my credit score with Transunion dropped by 76 points over night! I contend that this is not only arbitrary, but also credit  discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with XXXX. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to EXPERIAN. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. 

I received a copy of my credit report and found the following item listed below to be an error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized credit reporting listed without my expressed written consent
Product: Student loan

My complaint is with MOHELA and XXXX XXXX XXXX XXXX I have worked for the department XXXX XXXX XXXX and a qualifying employer for over a decade. I have been making large student loan payments during that entire time. Recently the department of education began harassing me via email saying I may qualify for XXXX under the new waiver requirements. To qualify I was forced to switch my service provider to MOHELA. I have been waiting for MONTHS to process my paperwork only to find out I do not qualify and Ive only made two qualifying payments which is impossible. Im now stuck with this awful scam organization as my loan provider. This is clearly a scam to funnel business to this company. I am a public servant and am absolutely disgusted and am leaving my position over all of this.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern and dissatisfaction with the attempts to rectify fraudulent items on my credit file. Despite multiple efforts, I have not seen a successful resolution, and these fraudulent entries continue to impact my credit negatively. 
I have diligently followed the dispute procedures outlined by your agency, submitting all required documentation to substantiate my claims. Despite these efforts, the fraudulent items persist on my credit file, causing undue stress and hindering my financial opportunities. 

I understand the importance of maintaining accurate credit information and the role of your agency in ensuring the integrity of credit reports. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I request a thorough reexamination of my case and a swift resolution to remove these fraudulent items from my credit file. I have attached supporting documentation for your reference. 

I expect a written response within XXXX  days, in accordance with the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$620.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I received my annual credit report, and to my surprise this account is reporting completely inaccurate information that's hurting my chances to be proud to purchase my first home, my EXPERIAN REPORT # XXXX ACCOUNT NAMED " XXXX '' XXXX  WHICH IS REPORTING ( XX/XX/year> ) COLLECTION / CHARGE OFF WITH A " PAST DUE " AMOUNT OF XXXX AND XXXX XXXX IS REPORTING SOMETHING ENTIRELY DIFFERENT THEY ARE REPORTING THIS ACCOUNT SHOWS " OPEN '' MY UNDERSTANDING OF THE FCRA THAT THIS MISINFORMATION IS ILLEGAL AND NOT REPORTING FAIR WITH ACCURACY, PLEASE REMOVE FROM MY CREDIT REPORT immediately and upon deleting please send me a new copy of my credit report that reflects this matter deleted from my account of this inaccurate reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and request Experian to provide evidence/validation Alleged debt that being is being reported. I didnt get the company response until XX/XX/XXXX. Even though it dated for XX/XX/XXXX. Also attached evidence. I never got anything by mail. As consumer overstand my right request for removal. 

1 15 USC 1681B permissible purpose of consumer reports.

2. 18 USC 1028A Aggravated Identity Theft
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  for which I am a cosigner for a truck has inaccurately reported 3 missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a 30day late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported 30day late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from XXXX. This company is unlawfully reporting late payments when my bank account verified they come out on time. XXXX does nothing to fix these mistakes.Please help!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 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 XXXX XXXX XXXX XXXXXXXX XXXX