23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit file. I have made multiple attempts to dispute and remove these inaccuracies, but despite my efforts, the issues persist. This situation has caused significant distress and has a severe impact on my financial well-being. 

I have attached supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud and to assist in the investigation. I demand that you promptly initiate a thorough investigation into these matters and take immediate action to remove the fraudulent entries from my credit report. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : $ XXXXpreviously Late Open : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 card or prepaid card

I had a balance of {$92.00} on my XX/XX/XXXXXXXX  bill. I paid this in full, i mailed the check 5 days prior to the due date although they didn't process it for several days after ( converted to ACH so I can't get a copy of the item from my bank. ) When I saw my XXXX  bill, I tried to call but was unable to reach any one. I did call in XXXX but the person I talked to was very hard to understand, foreign accent. I asked to speak with her supervisor and was placed on hold for over 30 minutes then the phone disconnected. I then sent a message through their web site but did not get a response. On XX/XX/XXXXXXXX  I mailed a letter to the address listed for disputes on the bill and did not get any response. I sent a message on XX/XX/XXXXXXXX  to the customer service section on their website and received message that they would research the issue and in the mean time would not charge late fees or report late payments to the credit reporting agencies. In XXXX, I was trying to shop for new car and homeowners insurance and found out that XXXX is in fact reporting me as late payments. This is the only negative line in my credit report. I now have received a bill from XXXX  showing my balance of {$190.00} which is ALL fees. I have made NO purchases so these are fees in a XXXX  balance.
Product: Debt collection

I sent this company a debt validation letter but they refuse to provide me with the documentation it has been over 30 day. In the company all of the sudden the company added fees that I do n't know any thing about and by the way they fail to place a dispute status with the credit bureau. I never did any business with this company so how can I owe them they threatened me by saying and I also write saying that there is going to sue and seek legal matter against me they have violated the fdcpa section XXXX and XXXX this company is rude. I 'm frustrated that this company is a rip off they report this to the XXXX major credit bureau by reporting inaccurate informations another violations of fcra.
Product: Debt collection

Hello I have a medical debt from Wakefield and associates stating I owe a medical bill in the amount of {$560.00}, I never signed a contract with Wakefield and associates and do not owe this debt to them. I also did some research and found they are not licensed to collect in the state of Georgia and I would like this debt removed from my credit report with all credit bureaus immediately.
Product: Student loan

My account is on Autopay, and they choose the payment date - I can not change it. Then they charge a late fee when they withdraw it after the due date. It is absurd- they choose the date, manage the withdrawal, and then charge me a late fee- many many times. They have ignored my complaints except to say I can not change the withdrawal date! This is obviouly intentionally deceptive and I have seen other complaints on the same issue with no effort on the part of Navient to resolve or credit me for the late fees. I do n't have any power and yet I am paying my loan honestly every month.
Product: Debt collection

On XX/XX/XXXX I received a warrent of debt letter when trying to call the lawyer I was connected to the debt collector they are impersonating a law firm the debt collector is XXXX XXXX XXXX this account has already been charged off
Product: Debt collection

I tried to get assistance from a debt resolution company but was unsuccessful and my account defaulted. I was advised that this debt collector blitt and gaines is trying to collect on behalf of XXXX XXXX XXXX  But per the company and my credit report they closed my account and charged it off XXXX XXXX and its fraudulent for them to proceed because they wrote it off and received a tax credit or something so I should dispute the debt being collected and the negative impact a debt collector has on my credit report. I tried doing this the right way and I cant catch a break to resolve this. I have since learned my lesson about credit cards. Especially since i did not spend as much as they are trying to recover. Any help is appreciated please.
Product: Payday loan, title loan, or personal loan

I took a loan in the amount of {$750.00} dollars. I have already paid {$1300.00}, but have run into a financial hardship. Negotiations with the company have not amounted to anything. I am very frustrated that they are demanding the payoff in the amount over {$1500.00}. Every time I try to contact the company I do not get any information. Now when I log onto the site, I am no longer able to view my loan documents. I want to offer the Speedy Cash a settlement offer in the amount of {$250.00} which will bring the total amount paid on the loan to well over {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my background check by checker. There have been 3 to 4 years a background check done by this provider with no problem this year a felony appeared on my record which I do not have it says that I pled guilty to a felony I did not. I have been deactivated by my employer XXXX for this felony that is incorrect I have attempted to have this matter corrected with checker to no avail
Product: Payday loan, title loan, or personal loan

My bank administrator at Truist suggested going through their website to apply for a credit line so I could fix my roof. The bids for the replacement are $ XXXX the amount applied for. 
The house is paid off and there is no mortgage. The house is valued over $ XXXX. Between cash and investments total assets are over $ XXXX. Income is a pension and a small business. I have one credit card with a balance of just over {$100.00} and a second of {$3500.00}. A truck loan ( which I qualified for ) with a balance of $ XXXX which will be paid off by XXXX, a year early. My credit score is XXXX. My annual income is consistent never less than $ XXXX a year. My monthly income is {$3700.00}. My monthly liabilities are less than {$1000.00}. 
The reasons given for the denial are inconsistent with past practices and certainly still apply now. The debt to asset ratio fall well within the industry norms. Having secured loans from this institution before. I have been banking with SunTrust for 35 years, the same account adding a business account and savings account that has more money than the loan itself.
Product: Student loan

I had Direct student loans and had them transfered Navient .Before it was transferred my federal income tax was garnished to pay towards the debt and I never saw anything showing that the money was paid towards my account. No statements did n't show on my credit report either.And It was over {$2000.00} which was taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX SS # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Request for Method of Verification and Update of Account Status on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Dear XXXX, I am writing in reference to my previous requests regarding the verification of the information on my credit report. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted you to request a method of verification for an account listed in my credit report, and to have the account updated to Paid As Agreed, Not Late ( PAANL ) status. However, to date, I have not received any response or verification as required under the Fair Credit Reporting Act ( FCRA ). 

As you are aware, under FCRA Section 611 ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute and provide the consumer with a statement of the method of verification within 30 days. The failure to respond appropriately to my request for method of verification is in violation of this provision. 

Furthermore, under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), if the information reported is found to be inaccurate, XXXX is obligated to update the account status promptly. Therefore, I request that you take immediate action to update the status of the account in question to " Paid As Agreed, Not Late '' ( PAANL ) as it is in accordance with the accurate representation of my credit history. 

Please provide written confirmation of this update as soon as possible. If this request is not fulfilled within the required time frame, I will consider taking further action to ensure my rights under the FCRA are fully enforced. 

Thank you for your prompt attention to this matter. 

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

Prior toXX/XX/XXXX, we accumulated over {$19000.00} on a credit card issued by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX 7XXXX. The account was in good standing, and minimal payments were paid in a timely manner.
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We valiantly tried to pay this amount down, with good success. The balance in XX/XX/XXXX was {$15000.00}, and by XX/XX/XXXX the balance was {$12000.00}. We paid that in XX/XX/XXXX, and the balance in XX/XX/XXXX was just {$150.00}.
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In or about XX/XX/XXXX, XXXX changed all open credit cards from XXXX to XXXX. This was done at their discretion, not at our request. We were informed that all XXXX were to be destroyed, and we were issued a new XXXX card with the same balance, credit limit, and interest rate. XXXX notified all XXXX customers that all accounts would be switched to XXXX.
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We continue to use the XXXX at a reasonable pace, and the amount owed now is about {$1300.00}. XXXX  does not dispute any of this information, and we are in complete agreement that our {$19000.00} XXXX was paid off, that our account was switched at XXXX XXXX direction to XXXX, and that we now owe {$1300.00}, and we have paid our account properly.
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However, our credit report on XXXX  shows two open and active XXXX charge accounts. One is the now-defunct XXXX ( account starts with XXXX XXXX ) which no longer exists, and it shows a balance of {$19000.00}. The other is the current XXXX account ( starting with XXXX XXXX ) which shows the current amount of {$1300.00}.
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I have spoken with supervisors and representatives at XXXX for a couple of weeks now, asking them to remove the {$19000.00}, which they agree we do not owe, and which they agree is from a XXXX account which no longer exists, which was changed to a XXXX account. Each person told me that it is impossible for them to change the information. They said they have no means at their disposal to rectify an old mistake. They requested that I mail ( via old-fashioned US postal mail, not via an electronic method ) a " dispute form '' which, when it passed through their mail system and was assigned to someone, they would try to review the dispute. I refused, saying I would n't submit this complaint to get lost in their mail system, and most of all, because there 's no dispute. I also submitted a complaint in their forum for such issues, and " XXXX '' said she 'd review my problem.
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A woman named XXXX ( last name sounds like XXXX ) from the CEO 's advocacy office contacted me and told me my complaint was being " escalated ''. Her number is XXXX XXXX XXXX That was the last time I heard from herI have attempted to reach her on several days since, to no avail. No one from XXXX has contacted me. I spoke with XXXX representatives who indicated that this should be a fairly routine matter for XXXX to correct.
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Our credit score and ability to re-finance our house are being affected, because XXXX shows that we owe nearly {$20000.00}, which we definitely do not. We do n't know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, I am contacting you because I have found some information that is inaccurate on my credit report. 
This account was never paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX # XXXX or credit card ending # XXXX After doing so please provide me with an updated credit report reflecting the changes. 
I reported inaccurate information to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
In case you can not verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area Based on, These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent Account XXXX XXXX Account Number : XXXX or credit card ending # XXXX Account Opened : XX/XX/2014 Balance : {$0.00} Account paid off and closed
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized, however, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX. 

These con artists improperly used our confidential company information, ran multiple credit reports, used out bank information to take unathorized withdrawls from our accounts, and never ONCE contacted us. Even after we had XXXX get involved they continue to take money from our account without notice or reason. We have tried repeatedly for months to get them to close our account and remove all information from their system as we do not want anything to do with them. They do not return calls and they continue to steal. They " sell '' a multitude of products that they don't actually offer or support. 

There is not one single legitimate aspect to this business. 

Avoid them at all costs, do NOT give them any information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.
Product: Credit reporting

I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You