23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sold a car to a man from XXXX back in XXXX of XXXX. We both signed a hand draft receipt I live in the state of Michigan. He drove from Illinois to pick the car up. I Received a letter in the mail received a letter in the mail In the spring of XXXX advising me the car was impound and they were reaching out to the last 7 owners. I call the city of XXXX and let them know I sold the car and I am no longer responsible for it. The city of XXXX told me they would remove my name as the owner. After that I no longer heard anything about the car until XXXX of XXXX when my bank account was levy for this debt. I reach out to Markoff law multiple times. They will not remove the levy and are trying to charge me for a car I do not own. After I sold the car I am no longer liable for anything that happens.
Product: Debt collection

Switched Internet/phone service to another company and had paid my bill for the last month of service. Had nothing but problems with their billing department making promises from retention department to keep my business only to call back and find there would be no record of these promises in their sysyem. They said they always charge a month in advance and I informed them I was switching and still got sent a bill. I returned all equipment including remotes in the time frame requested and do.not owe them a thing. XXXX  has already DELETED this from my report.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX I was victim of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked my credit report and noticed that experian still has not remove address XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX has not been removed from their database but XXXX XXXX and XXXX have removed the incorrect address Also employers XXXX  XXXX  & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Experian asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours XXXX XXXX XXXX
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Bank account or service

Last year citibank offered a promotion for XXXX thank you points to open a citigold checking account. I understand it was a targeted offer and chatted with a representative before opening an account to verify that I was eligible. Upon verification, I opened up an account and received confirmation of the promo code via secure message ( attached ). When I completed the requirements for the promo bonus, I sent another message to confirm and was told to wait until 90 days after statement closed in XX/XX/XXXX. XX/XX/XXXX, i sent Citi another message inquiring about the status, since its been 90 days and no points were deposited into my account, and was informed that I was not eligible even though I had previous communication stating I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Balance {$4500.00}
Product: Credit reporting or other personal consumer reports

I submit this request that credit bureaus reinvestigate the disputed Account from my credit report during the investigation period. As of this date, they have failed to respond to my request.XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

In XX/XX/year>, I was permitted to make an early payment towards an unsubsidized loan on my account which I was not supposed to. The loan balance was {$1000.00} dollars at the time. However, despite my payment, the amount was never applied to the loan. Since then, I have contacted EDFinancial Services every month to resolve this issue. I have been repeatedly assured that I would be refunded the amount and that the interest accruing on this loan would be canceled. I was also informed that my account is in emergency mode. However, despite these assurances, no changes have been made, and the accruing interest remains visible on my account. This situation is unacceptable. The delay in addressing this issue is causing unnecessary financial stress, as this loan is impacting my credit score. I am extremely concerned about the interest that continues to accrue on a loan that I have already paid off. I request that this matter be resolved immediately, with the refund processed and the accruing interest canceled as promised. I appreciate the support. On the gmail file I attached, you can see they charged me {$7000.00}. However, on my account, only {$6000.00} was applied as seen on the account history file I attached as well. I have proof this happened and I need help to be justly compensated for the money taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company, XXXX XXXX XXXX  used my credit profile improperly without my permission.
Product: Money transfer, virtual currency, or money service

PNC is not allowing me to connect my account to " XXXX  XXXX   ''.
Product: Debt collection

Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to XXXX XXXX  and that I would be served, sued, and even possible jail time in the next two days. She also mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with XXXX XXXX  in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for Ocwen? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Unverified Debt Reporting I am filing a formal complaint against XXXX XXXX XXXX XXXX for their failure to validate an alleged debt reported on my Equifax credit report in the amount of {$2300.00}. Despite my request for verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, the agency has failed to provide the legally required documentation to substantiate this debt. 

Violations Committed by XXXX XXXX XXXX XXXX : Failure to Validate the Debt ( 15 U.S. Code 1692g ) The agency has not provided proof of the original creditor, an itemized accounting of the debt, or any signed contractual agreement linking me to this obligation. 

Inaccurate and Unverified Credit Reporting ( 15 U.S. Code 1681e ( b ) ) Credit reporting agencies are required to ensure maximum possible accuracy. XXXX XXXX XXXX XXXX is reporting a debt that has not been validated, which constitutes inaccurate reporting. 

Continuing Collection Efforts Without Verification ( 15 U.S. Code 1692g ( b ) ) Under the FDCPA, collection activities must cease until proper validation is provided. The agency has continued to report and attempt to collect this debt despite lacking proper documentation. 

Potential Violations of Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c ( a ) ) Negative credit reporting must comply with statutory limits, and the legitimacy of this debt is in question.
Product: Checking or savings account

I created an account with   XXXX   XXXX   and need to be paid {$100.00} and it not letting me deposit the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX  XXXX XXXX .... Balance : {$700.00} XXXX XXXX .... XXXX : {$530.00} XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX .... Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : {$650.00} XXXX  XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt - XXXX Dear XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full.

Th

e Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone.

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report.I only want you to respond via CFPB. 
Thank you
Product: Credit reporting or other personal consumer reports

There has been a national breech of individuals that has obtained my personal information without authorization from congress.
Product: Debt collection

I was contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I have submitted a dispute regarding the remark status of my Federal Student Loan so that it reflects XXXXAccount transferred to another lender ' instead of XXXXDispute resolved ; customer disagrees ' but the status remains the same. I am requesting that Trans Union completes my investigation properly and updates the remarks of this loan within my credit report.
Product: Mortgage

XX/XX/XXXX, my tax assessment jumped from 4 % to 6 % because I needed to fill out the homestead exemption. 
The XXXX mortgage payment reflected the inflated rate in escrow. 

XX/XX/XXXX, I sent a copy the amended tax assessment, reduced back to 4 %, via email, to the Synovus representative XXXX XXXX as we had email discussions about the issue. Her email is XXXX I followed up as my mortgage bill was not corrected by XXXX payment. I received no response to my email in XXXX, XX/XX/XXXX, XX/XX/XXXX, nor to any voicemails that I left to the same person. The tax assessment was attached to multiple emails. 

XXXX XXXX left a message for me on my cell phone on XX/XX/XXXX stating she did not receive the tax assessment. I emailed it again on XX/XX/XXXX to the same address listed above. This was an email address that we used to converse before. 

In addition, I left multiple messages with another XXXX employee listed in a late notice. Her name is XXXX XXXX. I have never received a phone call in return. 

Additionally, I speak to a debt collector, recorded, every month and re-state my case. On XX/XX/XXXX, at XXXX EST, I spoke with customer service representative, " XXXX '' who stated that my case was " in review ''. 

Meanwhile, each month my account accrues late fees, and my credit has been severely affected.
Product: Bank account or service

I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money.
Product: Debt collection

I tried applying for a rental home in XX/XX/2017 and was denied due to finding that I was charged {$300.00} from my previous apartment complex. I called the XXXX XXXX leasing office and was told I was charged for carpet due to not being cleaned prior to leaving. The home and carpet was in good condition normal wear for XXXX year living condition. I was not aware that I should have it cleaned as most apartments improve the units with painting and carpet upgrades. Upon trying to get approval of the home I was directed to pay the debt and reapply. I paid the debt with the collection agency in which I did not have a contract with NCC Business and asked for it to be deleted upon payment and a receipt. I was denied for the home with payment due to the account negatively reporting. I recently applied for another apartment and had to pay the highest deposit due to the NCC Business account reflecting on my credit report. The account is severely affecting my renting reputation as I have never been late on a payment and was not aware of the charge. I have paid the debt and sent the company letters asking to delete and remove the account from each of the 3 credit bureaus with no response. I would like for the account to be deleted/removed from my credit report/history as I was not aware of the debt and paid the balance in full.
Product: Credit card or prepaid card

Unsolicited issue of credit card. Arrives newly issued w/significant charge on it to issuing company. Comenity/XXXX  CC w/ XXXX XXXX charge to XXXX. I understand it may be ID theft but how does issuing company place charge on to card to itself. Should raise red flags.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under FCRA.
Product: Credit reporting or other personal consumer reports

I am not familiar with this collections account showing on my credit. I reached out to them to try and figure it out, but they just were trying to pressure me to make a payment. I asked for paper work so i can try to get more information but they said they only way was to pay then they can send me paperwork. I have not authorized this account to be opened.
Product: Checking or savings account

Multiple transactions were taken out of my account without my permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

LCI Lundquist Consulting Inc. Is a third party used by Transunion to verify public information about consumers. The fact that LCI reports information on consumers to another part makes them a Credit reporting agency or at the very least a consumer reporting agency bound by the Fair credit Reporting Act. Upon contacting LCI  on XX/XX/2022 I was advised that I am not able to dispute information with this company that I can't freeze any information that they provide other 's about me. All companies that provide information to other companies for the purpose of decision making with regard to credit, employment, housing and so forth are held under the laws of the FCRA.