23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I took out two private student loan accounts during XXXX school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my fellowship training year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these XXXX accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Product: Debt collection

To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. During the reported eviction period, I resided at XXXX XXXX XXXX XXXX, XXXX XXXX  NC XXXX, as verified by the attached notarized letter agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Consumer Loan

On XX/XX/XXXX I applied for a XXXX in the amount of {$5000.00} from XXXX and was denied because my score was below their minium requirement. Later that evening I applied for a loan in the same amount from XXXX and was also denied. When I received the denial letters in the mail I noticed that 1. ) Both companies used ONLY Equifax and 2. ) Equifax unlawfully provided 2 grossly different scores, a difference of almost XXXX points on the same day. Had they reported the same score to both parties I would have been approved for the first loan ( as my score met their requirements ).
Product: Debt collection

A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic. 
I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up. 
with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore. 
ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be filed.
Product: Debt or credit management

I requested a refund as I did not receive any help nor services from the company. They charged me {$1500.00} for 2 payments worth of " services '' in which they did nothing. They were not even responsive when I would call the customer service line. I couldn't get in touch with any representatives and my assigned contacts would not respond. They mentioned to text them primarily first and if not call. Yet they wouldn't respond and several days would go by with no return.
Product: Credit reporting or other personal consumer reports

Complaint Against Servicing Solutions , LLC and XXXX for Inaccurate Credit Reporting To Whom It May Concern, I am filing a formal complaint against Servicing Solutions , LLC and XXXX regarding the inaccurate verification and reporting of an account that does not exist in Servicing Solutions system. 
On XX/XX/year>, at XXXX XXXX, I contacted Servicing Solutions , LLC to obtain information about an account that was supposedly verified by XXXX and reported on my credit file. However, after multiple inquiries, Servicing Solutions stated that they could not locate any record of such an account in their system. This raises serious concerns regarding XXXX verification process, as they have allegedly " verified '' an account that the original creditor does not even recognize. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. In this case, XXXX has failed to uphold this obligation by verifying an account that does not exist, thereby violating my rights under federal law. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), any inaccurate or unverifiable account must be promptly removed or updated. 
I am requesting the following actions be taken immediately : 1. XXXX must update the account to reflect a XXXX balance and remove any negative reporting associated with it and closed paid as agreed. 
2. Servicing Solutions , LLC must provide a formal response confirming that they have no record of this account. 
3. A full investigation must be conducted to determine how XXXX was able to " verify '' an account that does not exist within the creditors system. 
This misreporting has caused undue harm to my credit profile, and I demand immediate corrective action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved in a timely manner, I will consider escalating the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank harassing me, and stonewalling to clear up the issue. 

XX/XX/2019 : Fraudulent charges ( totaling {$190.00} ) on my " Citi Double Cash Card '' account was brought to the notice of Citi Mastercards XX/XX/2019 : Spoke to Senior Account specialist at Citi and requested the account to be closed because of a history of poor service, a track record of stopping actual authorized charges, but letting in fraudulent charges now. Each time I call, I am having to wait a long time trying to explain and repeating myself to multiple Citi staff. 
Staff confirmed everything and the account was closed as of XX/XX/2019. 

XX/XX/2019 : Another statement received with disputed items still open. Spoke to agent XXXX, Employee ID # XXXX. 

Agent apologized and assured me that this will be the last conversation we need to have. I requested that they end all future communication with me and stop harassing me. 

XXXX-XX/XX/XXXX : Fees, Penalties and interest being charged. Called several times in the evenings, but usually agents with poor english make me wait and end up asking me to call back. They never take my number and call me back! I have a record of all the telephone calls I made and how long each time I was on the phone. 

XX/XX/2019 : Received a letter from Citi agreeing to stop the harassment per my numerous complaints. 

XX/XX/2019, approx XXXX XXXX AZ time, spoke for about 80 minutes with : 1. XXXX, ID # XXXX, XXXX ( when asked for ID #, suggested I continue using an earlier Ref # XXXX, and XXXX ( not sure of the name because I couldn't understand the accent despite several attempts, ID/Ref # XXXX. Each one seemed to understand and agreed with my complaint. 

XX/XX/XXXX : Finally another agent was helpful. I insisted that he send me in writing what was agreed to before, i.e., that per my request the account is closed with no outstanding balance. Citi records the calls but will not review the content of the calls or provide transcripts. So I start recording the calls for documentation after notifying them. 

XXXX XXXX XXXX XXXX : I receive a letter stating the balance is XXXX and that per my request the account is closed with no outstanding balance. Copy attached as Annexure-2. 

XXXX XXXX XXXX : I receive another statement with more finance charges and penalties again! 

Unable to resolve any further. They had marked my credit file as delinquent and last week I was served with a collections notice. 

I was denied credit at least once because of their actions. I need to be applying for credit soon and my business might be greviously hurt if they do not clear my name. 

I have documented the telephone calls, recorded conversations, as well as copies of numerous letters and faxes I had sent Citi. I had also invoiced them for my time which I will take up separately. 

Their behavior is not only reckless, it is unprofessional and irresponsible. It is causing real stress to me and damage to me financially.
Product: Credit reporting or other personal consumer reports

XXXX. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} Dispute Issue : This account is reported as a collection/charge-off, but I do not recognize it. Please provide full verification or remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Account Number : XXXX Balance : {$0.00} ( Charge-Off ) Dispute Issue : This account was previously disputed, and the resolution remains unclear. Please provide detailed verification or correct any inaccuracies. 
3. 
XXXX PERSONAL LOAN Account Number : XXXX Balance : {$12000.00} ( Charge-Off ) Dispute Issue : This account reflects a charge-off with inconsistencies in reported payment history. 
Please investigate and validate all reported details or remove it. 
XXXX. 
XXXX  XXXX XXXX Account Number : XXXX Balance : {$11000.00} ( Charge-Off ) Dispute Issue : The account contains contradictory remarks regarding its charge-off status. Please verify its accuracy or correct any errors. 
XXXX. 
XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Closed ) Dispute Issue : This mortgage account contains late payment notations that appear incorrect. 
Please validate the accuracy of these records or remove any erroneous data.
Product: Debt collection

Smith , Cohen & Rosenberg LLC a Delaware debt collection company has been harassing me for a debt that was discharged in bankruptcy. A XXXX search return the addresses below. XXXX XXXX XXXX XXXX, DE, XXXX United States Phone XXXX ( XXXX ) XXXX. I have received. Repeated Phone calls emails even after I have informed them that debt is no longer collectible as I file for bankruptcy and said debt was discharged. They are still harassing me.
Product: Credit reporting or other personal consumer reports

Reinsertion of Previously Deleted Information Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any previously deleted information can only be reinserted into my credit report if the credit reporting agency has received certification from the furnisher that the information is complete and accurate. Additionally, I must be notified in writing within five business days of the reinsertion. Please provide me with all the necessary information and documentation if any disputed information is reinserted into my credit report.

Rights to Dispute Resolution Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide this description as part of your response. 
Please conduct a thorough review of these matters and update my credit report accordingly. Under the FCRA, you are required to investigate my dispute and respond within 30 days of receiving this letter. I request a written statement detailing the outcome of your investigation and a complimentary copy of my updated credit report.
Product: Debt collection

Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.
Product: Debt collection

NATIONAL RECOVERY AGENCY DEBT COLLECTION COMPANY IS REPORTING AS AN OPEN ACCOUNT DATE OF XX/XX/2022 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. 

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

In response to 1st complaint ID XXXX. In the letter response sent by XXXX XXXX they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my XXXX payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the federal trade commissioner, Fair Debt Reporting act, I, the consumer has the right to close any of my accounts without being approved by the credit bureau.I have request experian to closed five of my accounts by XXXX XXXX, experian closed one and the other four accounts remain open.I have the right to place a consumer statement on my credit report, I requested experian to add my 100 words or less statement to my credit report, my credit report do not have that statement on it no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and again, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies.

Can both companies report the same account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX - XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX  XXXX, Account XXXX XXXX XXXX  # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX # XXXX has violated my XXXX XXXX 

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

XXXX5 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: Money transfer, virtual currency, or money service

XXXX XXXX via XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to me Hello XXXX XXXX XXXX, Your transfer of XX/XX/2021 in the sum of {$240000.00} to XXXX XXXX XXXX has been held for clearance by US Federal Reserve. Your funds of {$250000.00} requires clearance from US Feds, otherwise we may continue to experience one problem or the other with outgoing transfers out of your Citibank XXXX private online account. 

This US Fed transfer clearance will cost you {$7200.00} and it is imperative that the clearance certificate is urgently obtained in your name which will clear and release the pending transfer of {$240000.00} from your Citibank XXXX private online account to your destination bank account and also enable faster completion of your future transfers to destination bank accounts within and outside XXXX and XXXX XXXX. 

Yours Sincerely, XXXX XXXX XXXX Private Banking Unit, Citibank, NA EMAIL : XXXX at first they told me no more fees to pay {$850.00} that i will recieve the XXXX now they telling me to i have to clearance
Product: Debt collection

I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. 

If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. 

This isn't mine.
Product: Credit reporting or other personal consumer reports

XXXX and Experian have put charged off items back on my credit as delinquent.
Product: Mortgage

On XX/XX/272019 I sustained a water leak under my kitchen sink. I filed a claim with XXXX, my Homeowners Insurance. 
After delays with XXXX, the work to rebuild my kitchen began on XX/XX/2019. 
All checks submitted to me by XXXX are required to be sent to my Mortgage Company, Rushmore Loans. 
On XX/XX/2019, a check for {$32000.00} was issued to me and, subsequently forwarded to Rushmore ( with all required notarized documentation ). I sent these documents via Mail and, when I followed up with my File Owner, XXXX ( XXXX ) she claimed they were never received. I then uploaded the documents on their website ( XXXX ) and again, XXXX claimed they were never received. Finally, I faxed everything and got a confirmation that it was sent/received. 

I later checked the transaction history on my Mortgage account, and it shows that on XX/XX/3019, the check was deposited, and that on XX/XX/2019, the check was RELEASED to me. 
This is false, as that amount was never released to me. 
I have, in fact, paid over {>= $1,000,000} OUT OF POCKET for materials and labor in order to keep the work going. 
In the meantime, I have left 7 voicemails for XXXX over a two month period, and she does NOT return calls. 
I feel something fishy is going on here. XXXX called me once, while I was working, and arranged to call me back at XXXX that afternoon, but never did. 
The one time I finally got her on the phone, she claims we had a bad connection, and wanted to call me back, which I didnt want to take the chance to do. 
Furthermore, she is very un-informed, cant answer a single question, and cant explain why this check is documented as released to me when it never was
Product: Credit card or prepaid card

Hi KOHLS/CAPONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.