23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX XXXX as my television service but there was a fire in my house. The box that i had of theres was destroyed in the fire. There was nothing for me to return and they don't reuse the boxes anyway i was told. The insurance company should pay for the box if anyone but they put a collection on my report and are continuously attempting to collect a debt that i don't owe. I have tried to resolve this with the credit bureaus but had no success. Please help me get this removed from my report. I don't feel it is my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : 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 or other personal consumer reports

This account was charged off the following date XX/XX/2021. Since then the account been repeatedly charged off every month. This updated in payment history. A charged off account active payment history. This inaccurate information falsely manipulates the statute of limitations investigate this account properly after I asked you to do it twice and your neglect has violates the demanding a deletion of the following account XXXX XXXX XXXX XXXX and account number XXXX
Product: Student loan

I was a student at XXXX college. I had a loan through the school via XXXX XXXX. The school was shut down and now a private collector, University accounting Services is attempting to collect on the loan. All other loans through were forgiven by the US Department of Education. I have been paying on this loan so as not to damage my credit however the company, University Accounting Services, have been mishandling my records and gving my information to other companies who have been calling me attempting to collect on the loan. Secondly the college and company owning my loan have filed for bankruptcy in the state of Maine. I was notified of this. My complaint is that University Accounting Services is mishandling my financial information and charging me for a loan that should be forgiven. Secondly University Accounting Services Representatives claimed they never sent my loan to anyone else for collection and that the company calling me and sending me letters, XXXX XXXX, are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Student loan

Back when student loans began repayments, I had set up Auto pay. After almost a full month ( with no contact from Nelnet who services the loan ) my auto pay was not taken. Luckily I noticed this and sent an email to them asking they ensure it is always on. I had not heard back from them FOR MONTHS. I logged back in this morning to check again, as the payment was not taken out. For some reason XXXX payment was not on auto pay, but XXXX was? I am asking that my servicing be switched so I can deal with a company that prioritizes customer service, and not try to make me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My Kia XXXX was totaled. Between The insurance company ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from Kia Motors stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called Kia and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from Kia Prior to that notice on my report. I have two letters from Kia finance who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with Kia with no additional information.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. These fraudulent accounts are XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX
Product: Student loan

I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.
Product: Credit reporting or other personal consumer reports

I have contacted Mohela over XXXX times regarding my student loans. My student loans were discharged about XXXX  months ago and it still shows up on my credit reports as opened and a balance. It should be reflected as closed and either forgiven or paid.
Product: Debt collection

Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ).
Product: Credit card or prepaid card

I XXXX XXXX resident at XXXX XXXX XXXX XXXX XXXX OH XXXX has a Southwest Rapid Rewards Visa Signature card received through Chase Bank and has XXXX rapid rewards points, I want to redeem it for Gift Cards but since last one month I am trying but they say our site is for maintenance even after a month they could not install their site please help me do that I will be able to redeem my points XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Email : - XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to keep accurate records on file for debt verification. My dispute process was started on the on XXXX XXXX by certified mail and recieved on the XXXX of XXXX XXXX, i received my results of my dispute on XX/XX/XXXX where as this information is still in accurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with XXXX and XXXX XXXX they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including XXXX XXXX Including my paying for on XXXX. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My XXXX XXXX XXXX, as well as my XXXX account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. XXXX and XXXX XXXX conspired and participated in this fraud.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in

violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. Please review the attached letter. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

I fell a little bit short on my bank balance in XXXX of XXXX. I have poor credit, so in desperation I took out an online loan for {$600.00}. They are now direct debiting my bank account every two weeks for {$110.00}, and are going to continue doing that until XX/XX/XXXX. I will have paid a total of about {$2600.00} on a {$600.00} loan. In retrospect, it would have been much cheaper to just pay the bank overdraft fees.
Product: Credit card or prepaid card

I have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw several billing errors, including late payments, which dont align with my payment history. Kindly correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} XXXX XXXX account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$520.00} XXXX XXXX account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged o FCRA violations XXXX payments never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX  XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$24000.00} Highest balance {$0.00} Terms 72 Months FCRA violations : not XXXX addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Experian received an initial certified letter from me, disputing and requesting verification of various accounts reported by Experian on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Experian stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Experian received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I have not received a response from Experian with regard to their Method of Verification of the accounts in question. 

Experian has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Experian received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
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 : 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 XXXXXXXX has violated my rights. Or 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: Credit card or prepaid card

A promotional credit card offer through BJs was supposed to be issued back in XXXX. I never received the card. When I was contacted about a late payment, that is when I explained that I had not received the card nor used any service to have a bill. I was advised to call the store BJs have them reverse the charge, and then call commenity bank to have everything removed. 

A new card was supposed to be issued. I did not receive a new card nor did they correct the account. I advised that I did not want a replacement at this point and wanted the record cleared as they stated they would. All this time I thought it was corrected. I have called both BJs and commenity bank only to get the run around that their system is down and they can not see nor correct the record due to systems issues. 

This is negatively impacting my credit and is a disservice to me as a hardworking consumer, that has taken pride in ensuring I make timely payments. I am in the process of trying to buy a home. I have missed out on the opportunity recently because of this matter. In my research I see that Commenity Bank has numerous complaints about not posting payments, or posting incorrect information, etc. This is very stressful to see that others are having the same issue, with no response from the company.

Im hoping you can assist me with having them remove this incorrect information immediately. 
I dont even know the full account number because they couldnt pull it up per all the representatives I spoke with he said to tell the next person if the system comes up XXXX.
Product: Consumer Loan

I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.
Product: Checking or savings account

Charge for {$61.00} to XXXX  was cancelled and never made - on XX/XX/2020 - spoke with Bank of America and they insist on holding authorization until XXXX  initiates refund. 
XXXX  said charge was NEVER made and Bank of America is in error and should release my funds. XXXX  even gave me a reference number ( XXXX ) for Bank of Americas use.
Product: Credit card or prepaid card

My bank, XXXX, mailed a payment on XX/XX/XXXX with a due date for the transaction on the XX/XX/XXXX. Capital One reports they received it on XX/XX/XXXX ( unable to provide evidence of this ) and is charging $ XXXX of dollars of late fees and interest despite the fact that the check would have paid in full our charges. I contacted XXXX and they confirm that it should have arrived in plenty of time but they do not receive a receipt when delivered. 

I feel helpless here and see the news stating that credit cards are charging billions of dollars in late fees and interest to people like me and I have no capability to protect myself from this. 

What can I do to get my money back?