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

Despite this efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. I trust that 3 Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your hep to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Last year I had tried to sign back up for school, my deferment when I made it was for a year when I called I was told I was in default and it was only put into their system for 3 months and to get it out I had to pay {$600.00} that day to start any payment arrangements. I never got a phone call or letter in the mail explaining my deferment was up or anything about payment options. When I asked if I could make any type of payment arrangements I was told no. So after I hung up I never got another phone call until 2 months ago I got a letter stating I owed {$12000.00} and it was due 2 weeks after receiving it in the mail.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. The following are the details of the inaccurate information and the required corrections : 1. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

2. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

3. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

4. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

5. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

6. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ). Please remove it from my credit report.
Product: Debt collection

In a written letter to Selip and Stylianou LLP, I asked the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent However, I was given photo copies of alleged billing statements and that was it. This is a violation of my rights as my debt verification has NOT been addressed. Please see the letter I wrote and their lack of providing me with the adequate information asked below.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX My loan was sold from XXXX XXXX XXXX XXXX To Starns Leading. I did not Know. 
Just This year I found out This append. 
I tried to called Sterns Lending no answers, left message no return call from STERNS.

I do not know how I can communicate with them if they do not answers, or who I have to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX XXXX through XXXX XXXX XXXX on XX/XX/2023. I was denied credit in part because my score was reported to be XXXX by Equifax according to the automobile sales company and the enclosed letter from XXXX XXXX XXXX that I received in XXXX. On the same day that I submitted my application, I checked the Equifax website which reported my score as XXXX. Additionally, I received the enclosed free credit report from Equifax that I requested as a result of the credit denial with the score showing XXXX at the time of my application. I have reached out to both companies in an attempt to resolve the discrepancy and to identify the issue that has both companies saying that my score from Equifax is different. Both companies refer me to the other company to resolve, which leaves me unable to fix the problem. I have been denied credit from other companies beside XXXX XXXX XXXX because of this same issue and would like to bring the problem to a close. Please assist me with resolving this issue and moving in the direction of resolution. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Inaccurate Data that is reporting on my credit report
Product: Credit reporting or other personal consumer reports

After original written communication and various phone calls. Experian continues to stall. They sent correspondence first stating falsely I did not represent myself which is a lie. I provided all personal information with factual evidence of identification, yet they did not provide me with any facts confirming the account. They still continue to report this false account XXXX XXXX XXXX  on my credit report. Without independently verifying disputed items Experian has not met the " reasonable reinvestigation '' standard. 

I am highly upset, and my consumer rights continue to be violated by Experian. They have not taken the reasonable steps to prevent inaccurate or damaging information from appearing on my credit report.
Product: Credit reporting

I 'm at my wits end with Equifax. I 'm sending them disputes listing clearly what I 'm disputing in regards to accounts where they only have partial or unknown elements to the accounts and they are required to correct or remove this information and they have not done anything at all. take the XXXX account for example : they have unknown terms, no type, unknown status, no payment status details and list it as a collection and yet the historical payment data reflects that I have paid as agreed every month. 
In addition, they are reporting XXXX as if they hold the account and I am attaching proof that this is not so. they are required to list this as transferred or remove it!
Product: Prepaid card

Purchased card on XX/XX/23. Card has the amount on it. I can see that the amount is on card and that the card is active. According to customer service " just keep trying to use it until it works somewhere ''. I called American Express gift card customer service and they said they are " protecting my funds '' and " use it at XXXX ''. I tried XXXX XXXX and in person, XXXXXXXX XXXX XXXX, gas stations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX my doctors office ect ect no matter what the " security parameters '' will not let you use your gift card ANYWHERE FOR ANY AMOUNT. However, it will let XXXX cents come off everytime I try to process it somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting lates on my accounts for 2020. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Capital One please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.
Product: Checking or savings account

I never even knew I had an account with PNC Bank but they have been charging me $ XXXX without ever notifying me of their policy and their account minimum requirements. I never received any formal letter from them or communication. They stole money from me by charging these bogus fees even though they claim my account was under " Dormant '' status.
Product: Credit reporting or other personal consumer reports

I tried fixing my credit report with all of the credit companies, all of the data on there is incorrect- I am a identical twin and our information is merged constantly its preventing me from renting a home
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with Transunion requesting that they investigate further into my XXXX collection. I have sent them letters directly from XXXX proving that they sent the notice of sale and the rights to cure to the incorrect address. In a previous complaint response in this forum by Transunion they stated XXXX verified my current address, and other personal information, which is more proof that they have the correct information for me. The issue is they mailed out information that I am by law supposed to have in writing to an incorrect address after knowing my correct info as Transunion stated to a response in this forum. So now I know, and Transunion knows, that XXXX has accurate and current info. The issue is why wasnt those pertinent documents sent to the correct address but everything else was? Transunion stated they investigated it but its nearly impossible because I provided documentation that the letters were sent to WRong Addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my Transunion and XXXX Credit reports. The Transunion and XXXX report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with transunion via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my transunion credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from transunion and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
Product: Debt collection

I am submitting an updated complaint against Blitt & Gaines P.C. for continuing violations of the Fair Debt Collection Practices Act ( FDCPA ) and non-compliance with previously issued cease and desist orders. Despite their acknowledgment of the cease and desist status in their correspondence dated XX/XX/year>, the firm has proceeded with legal actions against me, demonstrating a willful disregard for my consumer rights. 

The Specific Allegations are as follows : Non-compliance with Cease and Desist : Blitt & Gaines P.C. confirmed receipt of my cease and desist demands and acknowledged these directives in their internal files. However, they have not only continued communications but have also escalated to legal actions, contradicting their own acknowledgment and assurances of compliance.

Failure to Provide Debt Validation : The firm stated they would prepare a validation packet to comply with federal provisions but failed to provide this documentation within the legally required timeframe. This non-compliance persists alongside their continued collection efforts. 
Unauthorized Legal Proceedings : Despite the active cease and desist notices, Blitt & Gaines P.C. initiated or continued legal proceedings related to the alleged debts. This action constitutes harassment and a direct violation of the FDCPA. A complaint has been filed in the past. 
Reference No. : XXXX Account Number : XXXX Court Case No : XXXX Alleged Debt : {$750.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX consumer report : Im the victim of identity theft and I dont recognize one or more of the inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter, and await your reply. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

My dispute was initially filed with the assistance of the CFPB in XXXX/XXXX/XXXX and was against the Original Creditor : XXXX XXXX XXXX and its collection agent XXXX XXXX. 
As far back as XXXX XXXX I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX and and have had no response from Trans Union ; XXXX ; XXXX or have received any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with XXXX TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XX/XX/year>, and Equifax is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : 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
Product: Debt collection

XXXX XXXX keeps calling to collect about {$260.00} for service on a XXXX tablet. First of all, that tablet in question has been out of service for about 4 years. I called to remove to the account, they claimed that I could get charge for early termination. I always paid my bill from a text message and wasnt aware of still getting charge since that time for the tablet. I called to suspend my service ( 3 mobile phones ) in mid XX/XX/2020, they told me that once I moved to a new carrier, everything would taken care of automatically. Now they stated theyre unable to remove the charge for that XXXX tablet when they also confirm that they did see any data was used on it for several years. They also claimed that I would get charge an extra {$5.00} if they mail the bill to me. The new bill now is {$280.00}. 
Please help
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
Product: Debt collection

DEAR PAUL MICHAEL MARKETING SERVICE, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX PARTIAL ACCOUNT # XXXX PLACED IN COLLECTION : XX/XX/2016 BALANCE {$900.00} SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Payday loan, title loan, or personal loan

I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. 

thanks, XXXX XXXX XXXX XXXX, Texas
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This account is not reporting to Equifax and effecting my credit score. Please correct ASAP.
Product: Debt collection

I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # 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

XXXX is reporting inaccurate information on my credit report and claiming it to be verified. According to the bankruptcy courts they have not supplied this information but XXXX has them as the creditor. I have attached proof and wanting to know why they can continue to report false and inaccurate information on my credit report and claim it has been verified. I would like to know who verified this information at the bankruptcy court. This has been going on for months and it's ruining my life. This false information needs to be removed today. I do not have a bankruptcy being reported by said court.