23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a notification from my credit monitoring service that collections were placed on my credit history. 

There were no indications that a collection was occuring. i.e. no payment due notices, no late payment notices, etc. No contact whatsoever was given to me. 

After researching, I discovered that it was a debt collection from XXXX XXXX XXXX, part of XXXX, from an apparent visit in XXXX XX/XX/XXXX. Total claimed was around {$3800.00}. 

I contacted XXXX immediately upon discovering this error, and disputed the debt with the credit reporting agencies. XXXX simply stated that they had my SSN and signature and therefore it was my debt. They did not even attempt to research the issue. Also, my dispute was deemed to be incorrect by the reporting agencies as they believed that it was my debt, it is not. 

They also stated that it was a medicaid claim. From XXXX ( after moving from Colorado ) to XXXX I was on XXXX insurance. 

I contacted a lawyer in XXXX and he sent out letters to XXXX and to the reporting agencies. The letters received no responses. 

Of note, in XX/XX/XXXX/XX/XX/XXXX timeframe I did visit XXXX XXXX for a XXXX issue. At the time I was on XXXX. As stated, starting XX/XX/XXXX to XX/XX/XXXX I was on XXXX. There is absolutely no way that this was my hospital visit, and thus not my bill.
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. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX XXXX XXXX Credit Card ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX XXXX Collection Amount owed to {$720.00} per XXXX XXXX XXXX  for Settlement Amount ( Letter Attached ) XXXX XXXX XXXX - {$2100.00} ( Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX- {$3500.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent ) 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. 

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX  ( deleted ), Department of EducationXXXX ( late payments removed ), XXXX XXXX XXXX Late Payments Removed, XXXX XXXX ( paid off/deleted Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. XXXX XXXX XXXX XXXX Collection Amount owed to {$720.00} per XXXX XXXX XXXX for Settlement Amount ( Letter Attached ), Delete XXXX XXXX XXXX reporting wrong amount per XXXX XXXX XXXX  ( Lease & Itemized Receipt Attached )
Product: Checking or savings account

I had opened the account ( checking and savings ) with First Citizens bank on XX/XX/2020 with promotion of XXXX $ mentioned on their website. I completed all the requirements for the bonus but still the bonus has not posted. The bonus was supposed to be posted within 120 days of fulfilling the requirement. I have completed the requirements on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00}.
Product: Credit card or prepaid card

This complaint is against Lowe 's Credit Card Center/Synchrony Bank ( herein referred to as the " Bank '' ), XXXX XXXX XXXX, XXXX, FL XXXX. XXXX XXXX XXXX where purchased from Lowe 's, XXXX, MD on XX/XX/XXXX. The XXXX windows were installed XX/XX/XXXX and XX/XX/XXXX by Lowe 's subcontractor, XXXX XXXX. Soon after the XX/XX/XXXX installation I observed many to have gouges, scratches, two tones rails and other defects ( herein after " damaged goods '' ) on approximately nine windows and, later, on one window installed XX/XX/XXXX. Lowe 's assistant manager XXXX XXXX examined the windows and verified the damages on or about XX/XX/XXXX and contacted XXXX. XXXX sent a person from XXXX XXXX, XXXX distributor and warranty management company. The XXXX  representative observed the damages and declared them to be damaged goods. His assessment was that part of the damage could be from XXXX factory and part from handling and storage by Lowe 's or XXXX XXXX. After another Lowe 's and XXXX detailed inspection on XX/XX/XXXX Lowe 's and XXXX stated they would send someone to fix the windows. This never happened. 

On XX/XX/XXXX after several unsatisfactory phone calls to Lowe 's, I contacted Lowe 's Credit Card Center/Synchrony Bank at the above address. My letter included numerous photos of the damaged goods. Also, I contacted the Maryland AG office of Consumer Protection and provided copies on all material going forward. For the remainder of the year, I sent approximately eight ( 8 ) more letters including more photos, transcripts on Lowe 's and XXXX inspections XX/XX/XXXX and XX/XX/XXXX. In these letters were various videos of other Lowe 's employees stating what good quality XXXX vinyl windows looked like. In these letters I demanded the Bank to credit my account approximately {$5400.00} which was the retail cost of replacing the damaged goods. I enclosed an invoice from XXXX XXXX. I rebutted two ( 2 ) vacuous statements by Lowe 's and XXXX sent to the Bank. Finally at the end of XXXX, Maryland Consumer Protection Division wrote to Lowe 's stating a path of arbitration to resolve the dispute and offered to assign the arbitrator. Approximately 2 weeks later Lowe 's Risk Management contacted me and offered to send an appraiser to value the windows and XXXX agreed to replace the damaged goods. 

The Bank was an impediment to getting the damaged goods replaced and/or crediting my account. Since the beginning of XXXX I have kept the Bank apprised of events with Lowe 's Risk Management and XXXX actions to remedy the damaged goods. The Bank has put a deleterious comment on my credit report for the months of XXXX, XXXX and XX/XX/XXXX. I have demanded that the Bank remove this stain on my credit report but no action has been taken. The simple fact that Lowe 's and XXXX took decisive action to avoid arbitration substantiates my claim. I believe that the Bank 's actions are not unique to me and that the Bank apparently colluded with Lowe 's to deny me my rights under the Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX  XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -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. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home was sold in XXXX 2017 after divorce and the proceeds were divided. There was a remaining balance of {$1100.00} in the escrow account with Franklin American Mortgage Company that was supposed to be refunded. When the check arrived, mailed X/X/17, it was written in both my name and the co-borrowers. I contacted the mortgage company to request that the escrow refund be split evenly and sent to each borrower separately, as this was how the proceeds from the home sale were divided in court orders. The customer service representative refused to help me. I explained that we no longer have a joint account, as we were divorced. I also explained that we are not in contact, as there were XXXX XXXX issues with the co-borrower. She told me I would need to figure it out, that the check had to be sent out to both of us as one unit and would not connect me with anyone who could help. I have a useless check, and FAMC has the money.
Product: Credit card

Review the attached documents ; I request an investigation into accounts reporting me as late, despite my timely payments.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/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: Debt collection

On XX/XX/XXXX I checked my credit report to see a new account listed in collections from XXXX XXXX XXXX with account originating from " XXXX CHECK INTO CASH '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a check into cash XXXX nor have I made any kind of {$30.00} payment towards a XXXX loan. I checked online to see what the requirements were for application for a XXXX loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the XXXX loan company to approve the loan. Or this XXXX XXXX XXXX company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
Product: Credit reporting or other personal consumer reports

When XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all 3 Credit Bureaus. But they closed my XXXX XXXX XXXX  ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation XXXX XXXX is willfully civil liable for continuing to report incorrect data on my consumer report.

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT
Product: Debt collection

Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX   and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has recently settled a 33 state class action Lawsuit for predatory lending practices. In the settlement, XXXX has agreed to relieve all defaulted loans and help repair credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. Ive attached a copy of certified mail receipt as confirmation letter was sent and I requested deletion of this account. But unfortunately Experian has continue to report this account. Verifying it when I didnt request validation further causing me to wonder if an actual investigation took place? If not thats a violation within itself Despite the fact that other agency deleted the account please assist me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX the consumer, called Experian to have inaccurate information removed said they would not be able to change any information with out an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect on my consumer profile that they were reporting without my permission. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Experian as a consumer reporting agency has a duty that they are obligated by Congress, in place to ensure accurate information at all times concerning consumers. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 33 companies. The inaccurate information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate information,
Product: Checking or savings account

On XX/XX/2024 I attempted to make a transfer from this savings account to my checking account. The transfer was blocked with the instruction to call the bank. When I called, they informed that the account was frozen because of some undisclosed issue with my joint account holder ( my spouse ). 
On XX/XX/2024 both myself and the joint account holder called the bank. The bank then said they could not verfiy the identity of my spouse because " her phone number is not registered to her ''. Both of our phones are on a family plan and the plan is billed to me. The bank refused to deal with us further and said only that they would open a ticket and call us back within three days. The bank refused to give us even a ticket number. 
On XX/XX/2024 we called the bank again as we had not been contacted. The bank again they would contact us within three more days and refused to answer any questions or discuss the problem further. 
As of this writing, XX/XX/2024, the bank has not contacted us in any way, we still have no idea what the supposed issue is, and the account is completely frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been charged XXXX every month from XX/XX/XXXX to XX/XX/XXXX by " XXXX ''. We never signed up for any service or product from XXXX. We called them and asked them to stop all charges and refund our money. They said that they would " try ''. We have no idea how this company gained access to our bank account information. We did not give it to them. This company was fine XXXX XXXX for this fraud in XXXX and it needs to happen again.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX  XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX  XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021
Product: Debt collection

I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Student loan

Nelnet bought my student loans during the pandemic. Without my permission, they created an account without any contact information attached to it. I can not access this account to submit an IDR application. I can not see if there are any errors in how they are calculating my payment. I have called numerous times without ever getting to speak to anyone. I sent an email on the company website that included up to date contact information and asked for access to the account they created without my permission or ability to access it. The email was ignored.