23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX TransUnion, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance. 
Despite my previous XXXX ( XXXX ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER XXXX Still has several errors like the last date of activity that is XXXX years apart from XXXX report XXXX XXXX XXXX XXXX Account numberXXXXyes has the same account number as previous account. You state that I have used 255 % percent of my limit. How is that possible? 

XXXX XXXX XXXX XXXX-account- XXXX which also is different then what the other XXXX bureaus have as account numbers. And the last activity date is almost a XXXX from what XXXX has reported. 


XXXX XXXX XXXX Has has a whole different account then what the other bureaus have. 

XXXX XXXX Still bares a different balance then what XXXX has. And last activity dates. 

XXXX XXXX XXXX XXXX XXXXXXXX Bares a different account number then XXXX. 

XXXX XXXX  {$190.00} XXXX XXXX XXXX  Still reporting as an open account with last dates of activity being XXXX  years from what XXXX has. 

You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as required by law, and the Court will order you to delete them. 
You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( 4 ) of the FCRA.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors 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.
Product: Debt collection

I have unknown collection with derogatory status. Im not aware of the debtors and the amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.
Product: Debt collection

XXXX XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing Five times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I would like this account to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX account # 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 or other personal consumer reports

My credit report was impacted by XXXX date Breach and false information sold and was report to my credit report.
Product: Debt collection

i have bankruptcy on my credit i mean XXXX XXXX and XXXX XXXX XXXX XXXX status - Discharged Date reporterd XXXX Reference # XXXX Closin Date XXXX by Court U.S Bankrupcy Court Pleas remove me Thank you XXXX XXXX My addres is XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Thank you again
Product: Debt collection

The loan is beyond the California statute of XXXX years with no actions on my part or collections happening from the original lender. 

The debt was sold to a tertiary collector ( P & B Capital Group LLC ) and when I informed them of this they simply hung up the phone after stating obviously you know your legal rights. 

I had submitted a request to XXXX XXXX to have this removed from my credit report as invalid ( purchased by the agency AFTER expiration of the California statute limit of XXXX years ) and they simply took the statement from the company that it is still valid and refused to modify my credit report.
Product: Credit reporting or other personal consumer reports

Delete this account for innacuracy from my credit because the date of removal from my XXXX report was XX/XX/2024. Transunion is showing as actived ; reported date XXXX XXXX Account name XXXXXXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of the Equifax hack. I went through their site to see if I was affected, and it said I may have been.
I understand that Equifax was also a victim in this attack, but there is only one way that over 140 million people could have been affected : negligence in regards to security and storage of highly sensitive personal data.
As an additional layer of negligence, they should have informed the public much more quickly instead of waiting more than a month after the breach happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # 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: Debt collection

My car depreciated extremely over the course of one year since I had bought it. No one would refinance me, and bmw refused to help me after calling for a month and asking for some sort of bail out. I decided to voluntarily repossess my car. I left it at a bmw dealership, faxed back the paperwork that was asked of me and left it.
Product: Credit card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report dated XX/XX/2023 shows XXXX XXXX XXXX as verified. I don't know how they could have investigated, reinvestigated and then verified the account when I have a letter from XXXX dated XX/XX/2023 that states they closed my account and ceased collections, I have no further obligation regarding the account. The original creditor was XXXX Bank. The accounts have both been deleted from the identity theft I had happen. It is against the FCRA for a credit reporting agency to have inaccuracies on my credit report. This is wrong to report that an account is verified and accurate when indeed it wasn't. See attached letter from XXXX XXXX XXXX
Product: Debt collection

I spoke with XXXX XXXX regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in XXXX & charged off in XXXX. I advised him that it is now XXXX and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. 
They have also not attempted to reached me at my registered phone number and have instead been harassing my parents at both their home and work numbers.
Product: Debt collection

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Amount : {$1300.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  Omg, this is not my account. I did not make these charges. This is horrible.
Product: Checking or savings account

Starting about 5 years ago - vystar continues to charge a nsf fee when a creditor tries to pull a payment that i didnt realize was due & then they double charge & trible charge EVERY time creditor tries to pull. Its XXXX XXXXXXXX. If the funds arent there- it should only be XXXX fee. XXXX XXXX XXXXXXXX just got hit for doing this EXACT same thing.
Product: Checking or savings account

The Synchrony Bank website says customers can earn XXXX XXXX interest on high yield savings accounts with balances of {$0.00} to {$4900.00}. I had several such accounts and XXXX with a balance under {$15.00} showed an interest rate under XXXX XXXX it showed XXXX XXXX on the most recent statement. I called the bank on XXXX XXXX and asked why this happened, and no one could give me a clear answer. I asked what the minimum balance should be to earn XXXX XXXX, and they could not tell me an exact number. They suggested {$100.00}, but that is over the {$0.00} shown on the website. I was on the phone with them at least XXXX minutes, and no one could figure it out. The XXXX statement also showed a low balance but the account still earned over XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have not been able to access Equifax 's website to freeze or unfreeze my credit report. Their website is not functioning correctly and I can not get in touch with an in-person representative to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax on XXXX/XXXX/202 regarding my personal credit file. After waiting on hold to reach The office of Consumer Affairs over an hour I got a rep by the name of XXXX from the XXXX who attempted to service my file but was unable to because of a note in the system that says my file can only be handled by the XXXX office. He tried to help for over an hour with zero success due to the notes and the restrictions that are placed by the XXXX XXXX. 

One XX/XX/2020 I reached out to Equifax again regarding a fraud alert. I was placed on hold for over an hour and half before I was able to speak to someone from the XXXX XXXX. Once the rep got on the phone I clearly explained how I need to either add a phone number to my credit file or have the fraud alert removed due to issues it was causing me in obtaining credit. The rep I spoke to her name was XXXX. 

She started the call extremely rude and being very condescending to any thing I said. I asked very simple questions about hold times and is it a better way to reach the XXXX she was rude and very snappy. Then when I asked for assistance to remove a fraud alert she told me I needed to send in drivers license and social Secuirty card. I had explained to her I just mailed my drivers license and social card to Equifax within the last few weeks. She totally ignored that and said she wouldn't help unless I resent it in. Equifax continues to mishandle my file and allow rude unprofessional workers service us customers.
Product: Credit reporting or other personal consumer reports

I been sending letters and the past ndpressent to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of theae companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last XXXX days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future
Product: Mortgage

I hired my attorney XXXX XXXX XXXX XXXX to handle my mortgage defence on or about XX/XX/XXXX when I was given a default notice, ( 3 months behind then ) since then I followed my attorneys advice, the bank Specialized Loan Servicing of XXXX XXXX. XXXX CO. are playing games, they keep on adjouning the conference because they aren't ready and my arrears keep getting larger and larger, today they SLS didn't even bother to show up and the judge adjounded the case again ( 2 months ) from now to XX/XX/XXXX because they didn't show up. My Arears keep on going up. My bank Arears are now at {$110000.00} until present, I offered the bank {$100000.00} in XX/XX/XXXX and was turned down, this bank is not looking to come to the table and assist in getting this loan Motification or settled, I have both letters from my attorney stating the refusal of my offer by my attorney, and that today XX/XX/XXXX a scheduled court conference by the court they didn't even bothered to show up. I need you to investigate this bank as they are forcing me to file a bankruptcy which I do not want to do.
Product: Prepaid card

I have received Amex gift card, I start using it online and in store sometimes it works sometimes is not, so later it stop working in any stores or online purchases I ask the company for help but they just told me that everything is fine with my card and I can use anywhere besides XXXX. But it actually not works even if I have a balance over XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Barclay 's Bank Delaware in XXXX, during that time I got XXXX and my wife at the time didn't take care of the responsibilities. The account was closed in XXXX and the balance charged off was {$1400.00}, but I'm being charged {$1900.00}. I recently lost my XXXX XXXX because of this negative mark on my credit report, I've been trying to contact the company for the last 4 days and some foreign guy always answers the phone after me being on hold for almost an hour and then he is no help. I wanted to try to pay off the account and get some conformation, but he refuses to take a payment over the phone and refuses to give me any documentation about trying to correct the issue.He puts me on hold again and says he will transfer me, but I only sit on hold again for another hour just to be transferred again. I'm trying to get this issue resolved ASAP, but I cant get any assistance from this company.
Product: Debt collection

i sent a letter to the debt collector to stop harassing me as this account was opened fraudulently and has been charged off. credit reports are available upon request to serve as proof.
Product: Credit card or prepaid card

Ive previously had a XXXX account and I cant get back into it. I need help accessing my account & I need a new card as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud I have disputed this directly with this creditor numerous times its on record and I have sent them all of the necessary documents they said that they needed from me to properly investigate this fraud. they claim the account was open in personal on XX/XX/XXXX of XXXX in Ohio, which is impossible for me to do so because I was currently at New York at the time and the proof is also in my bank-statement for the date of XX/XX/XXXX which shows I had a physically withdrew and deposited money in the XXXX, New York XXXX I have sent them proof of my bank statement as requested from the months of XXXX and XXXX as requested which is when they claim this fraudulent account was open and had monthly payment activity. I have also disputed this with the credit bureau and you guys stated it was valid and verified which is impossible because I have never opened this account .I need this fraudulent account removed from my credit report. This is preventing me from applying for a mortgage at the moment and so many other things. I also attach and sent them an affidavit that was signed and notarized, this is truly affecting my life. I am a victim of identity theft and I have exhausted all my resources and kept documents of all the calls and disputes I've made in an attempt to have this resolved with this company. if this is not removed and cleared from my name and my Experian credit report ASAP, I would be contacting a lawyer to seek litigation for damages.
Product: Debt collection

Below please find excerpts from a deb collection letter received by me : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Toll free XXXX " Dear first name, last name, National Recovery Agency in a debt collector. We are trying to collect debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' Our information shows : As of XX/XX/XXXX you owed {$280.00} ___________________________________________________________________ There is more on the letter sent but I can not rewrite the entire notice. 


I do not use " XXXXXXXX XXXX  '' for medication. I use XXXXXXXX XXXX XXXX which falls under the umbrella organization of " XXXXXXXX XXXX  ''. I spoke with botXXXX XXXX XXXX XXXX XXXX ( which I have used in the past ) on XX/XX/XXXX and both companies confirm that I have no outstanding debt and that all payments were received in full. 

Furthermore, the date of service on the collection letter does not coincide with any date I may have used " XXXX XXXX  '' When I called National Recovery Agency on XX/XX/XXXX the first thing they asked me in a brash manner was " how did you get this number? '' That seemed odd because obviously I would be calling them about my debt collection letter. They then could provide no further information regarding the claim or the date of service. They became condescending and belittling. I conference called National Recovery Agency with XXXXXXXX XXXX on the line to try to settle any discrepancies and no further information about the debt they were trying to collect could be offered.