23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simm Associates is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX  or XXXX  report so I am filing a complaint. They only responded to the XXXX  compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times in attempt to have this fraudulent inquiry removed I was told that I need to call and contact the original creditor that placed this inquiry on my report. I have made several attempts to get chase bank to contact the bureau and remove this inquiry that was not authorized by me. They seem to not be able to get me to the right person to take care of this issue no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want chase bank to have this fraudulent inquiry removed from my credit report before I take legal action. I I have never requested any kind of credit with chase bank or hold any account with them. I have an iquiry from XX/XX/2019. I want this matter resolved.
Product: Credit card

I made a purchase on XXXX  in the amount of {$6300.00} on XX/XX/2024 I disputed the purchase because the merchant mistakenly sent me somebody elses order or got my order wrong. I have yet to receive a temporary credit or be able to provide information supporting my dispute. I contacted Apple reps who cant even explain the situation which is very bad for me because the payment is due in 6 days which isnt supposed to be the case because I filed a dispute so I should be given a temporary credit while they investigate. I need this dispute resolved immediately. I will be providing the info I was gon na provide when I got the email acknowledging my dispute. I attempted to contact the merchant XXXX  numerous times but they were unable to reply back to me and I would just get an automated system Everytime. The order I received is not mine and this is too much of a large amount to let go, I have included correspondence of the merchant seemingly ignoring my emails requesting a solution to either return these items or get sent what I ordered and compensated. I have included photos from the merchant themselves of what I ordered as well as what I have received so you can see the discrepancy. The items I have recieved are as follows, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Clearly not my order with photos provided. I have attempted in good faith for at least a month or so to remedy the solution with the merchant and they have not complied thus leading in me filing a dispute. I have apple can see that and continue with the dispute where I was clearly scammed as I ordered a XXXX package and recieved nothing close to what I had ordered. This is very disappointing and hope it gets handled the right way. Thank you if anymore information is needed dont hesitate to reach out
Product: Mortgage

My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently been using my SSN since XXXX and in XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

XXXX & Transunion wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

XXXX XXXX site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to Transunion, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX The account information and payment information are not correct it stated the date closed XXXX which is incorrect, also have missing payment from XX/XX/XXXX, XX/XX/XXXX, and also XXXX no information on file the account keeps charging account of monthly is also incorrect. 

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting in inaccurate. 

This is my 4th request with no updates no answer and you keep updating incorrect information on my credit report. You have not responded to my previous request and keep updating information wrong every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent updated letter to XXXX XXXX and tranuion to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address
Product: Debt collection

I am XXXX XXXX XXXX. I previously lived in XXXX XXXX XXXX, XXXX XXXX XXXX, MA - XXXX. I arrived in the US in XX/XX/XXXX for my XXXX 's as a XXXX. I then chose to sign up for XXXX as my internet provider and everything was going well. 

Following which, I moved to XXXX XXXX XXXX, XXXX, MA - XXXX for a cheaper apartment in XX/XX/XXXX and transferred my XXXX internet services into this apartment. After the transfer, I received unnecessarily high bills when I never even used the internet as was travelling and exploring New York and Boston most of the time. In XXXX, my landlord decided to install internet services for all tenants free of charge and I then discontinued XXXXXXXX 

I spoke to the XXXX customer care agents about 7-10 times on call and made sure my account was paid in full and reflected a {$0.00} charge as they told me " You will not be able to close the account until your account balance is {$0.00} ''. After successfully paying my bills, returning the equipment within the return time frame and discontinuing my services with XXXX, I have received a " Derogatory public record or Collection filed '' which has significantly lowered my credit score. 

I would like to inform you that I am a very simple XXXX  who arrived in the US to complete my XXXX XXXX education from XXXX University. I anticipated on improving my credit score but the customer care team has destroyed my credit score by filing a complaint on my name every month since XX/XX/XXXX. 

- The XXXX customer care team is extremely rude. 
- They do not respond to my calls after I prefill my account information to connect with an appropriate agent. 
- The have ruined my credit score and filed collection on my name. 
- They have not tried to help me resolve the issue. 
- The have forced me to pay the amount of {$140.00} in order to remove the debt collection on my name. 

I don't see why it is necessary for me to even pay {$1.00} when it was impossible to close my account if my balance was not = {$0.00}. 

I highly request the authority in charge of this complaint to help me resolve this issue so that I can work on my credit score and prevent paying unnecessary amounts to SCAM companies like XXXX XXXX XXXX XXXX ) who are completely blunt, rude and force you to pay an amount THAT YOU DO NOT EVEN OWE IN THE FIRST PLACE.
Product: Credit reporting

I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )
Product: Credit reporting or other personal consumer reports

I am filing regarding Navy Federal Credit Unions failure to remove a late payment from my credit report XX/XX/XXXX, despite multiple attempts to resolve the issue. The late payment was reported due to the institution having incorrect contact information on file, including an outdated email address, mailing address, and phone number. 
I only became aware of the issue after noticing the late payment on my credit report. I requested to update my information MONTHS before this occurred. XX/XX/XXXX. It was never changed. Upon discovering this, I promptly reached out to NFCU to request a goodwill removal, citing that I had not received any billing notices or payment reminders due to their incorrect records. 
Despite my requests, NFCU has refused to remove the late payment, even though they acknowledged their error. I escalated my request by sending a certified letter to the CEO, yet I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

My reputation, credit, and XXXX XXXX  have been negatively affected due to this unlawful violation from this company.
Product: Mortgage

I spoke with an Loan Originator XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on Wednesday XX/XX/2020 in regards to refinancing my home. I submitted the application immediately. Several days went by of hearing nothing and so I called to verify everything was okay. Was informed everything was received and we should close in three weeks tops. A week went by and I heard nothing again. No email, no letters, no phone calls. I call to speak with him and am informed he has left on maternity leave??? So I ask for my file to be transferred to someone else because I dont want to just keep waiting and am informed that isnt an option. So I wait another week and FINALLY am contacted by XXXX and given a simple spreadsheet of closing costs but not the official Disclosure Statement required by Federal Law. I emailed XXXX on XX/XX/XXXX and requested this Disclosure and now its been 10 days since I requested and not only do I not have my Disclosure but no acknowledgment whatsoever. Again no emails, no letters and no phone calls. Very disappointed in this mortgage lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a balance due on XXXX partial account number XXXX. This account is over XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX XXXX XX/XX/2023 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: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, And one more thing according to 15 USC 1681s-2 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: Vehicle loan or lease

Please help and thank you, my name is : XXXX XXXX & I am XXXX years old XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX VIN # XXXX MILEAGE XXXX XXXX CASE # XXXX Account # XXXX This is my XXXX new XXXX lease in last 5 years from same dealership at XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX, the car is still under manufacture 3 years or 36,000 miles bumper to bumper warranty. car shut off while driving and will not start on XX/XX/XXXX & as of today 's date is XX/XX/XXXX is sitting at the above dealership where I leased from, to make a long story short, over 3 months I am paying both my lease & full coverage car insurance every month but I don't have a car to drive. the car & warranty is own by XXXX & all maintenance is up to date. but they will not check the car unless I pay 4 hours diagnostic fee, XXXX lease said I need to keep paying my lease or they will send me bad credit & collection agency however they said keep talking to XXXX warranty. I am stuck PLEASE HELP - I can not fight big company like XXXX
Product: Credit reporting or other personal consumer reports

This is my second notice about these fraudulent items that I have already reported to the Federal Trade Commission. These fraudulent items on my credit report are allowing unauthorized access to my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt is just a screen shot. Please send me signed documentation, otherwise I will sue. And file law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! 
THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
Product: Checking or savings account

Friday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX agent scammed me by sending me to XXXX credit report another scammed paged then XXXX XXXX, made false dept claims to me to scare me into just nothing filing a claim against them to return my funds onto my cash app card I had to cancel my card.and there where multiple false rental agents harassing me.. if I would of said I'll give them the money to hold the property that's not there's in the first place the would of took all my currency ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co-signer on a loan student loan for my sister with Lend Key and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX  has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX has violated my rights In accordance with the fair credit report XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. Thank you