23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX After the account was closed they ( Transunion ) kept reporting the account as Charge Off, I sent a 609 letter last month, and they updated the XXXX information yesterday without contacting me with the verification I asked for, so the investigation for the XXXX XXXX Account looks like is going to be throw the same results. 

" Currently using 295 % of your account 's limit ''. TransUnion is reporting a credit limit, how can I have a credit limit after the Close Date? 
XXXX XXXX Balance {$290.00} Credit limit {$100.00} Closed XXXX. XXXX, XXXX I paid the whole amount on XXXX XX/XX/XXXX and they started charging late fees after. 

I sent this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fla.XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA.XXXX 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. 
I demand the following accounts be verified or removed immediately. 


Name of Account Amount ProvidePhysicalVerificationCreditor XXXX XXXX {$820.00} XXXXXXXX XXXX  {$290.00} XXXX XXXX
Product: Student loan

Back in XX/XX/XXXX I consolidated my student loans with XXXX and the Department of Education and I requested loan forgiveness. My student loans are over 30-years old and I am eligible for loan forgiveness. I was in the Income based repayment program / income driven repayment forgiveness program and based on XXXX and the number of deferments totaling over XXXX, which count as payments I was informed by the representative with the Dept. of Education that I was indeed eligible for loan forgiveness. Shortly thereafter, I contacted XXXX and was informed that my loans were paid on XX/XX/XXXX and finalized on XX/XX/XXXX and my account reflected a XXXX balance. Following the consolidation, my loans were transferred to 'Aid-Vantage ', and I remained in contact with Aid-Vantage by telephone speaking to multiple reps. including XXXX XXXX, and a supervisor by the name of XXXX XXXX. I was informed my loans were in the next batch and should be forgiven by XX/XX/XXXX. However, I was later told to complete additional paperwork to apply for loan forgiveness. Perplexed by this new information, I did as instructed. Afterwards, I contacted the Dept. of Education and was told by the rep. " something is wrong, you need to request an investigation. '' Two months later, I attempted to purchase a vehicle and was denied. My credit report showed that I owed over {$1.00} XXXX dollars in student loans. XXXX was no longer a XXXX balance, it showed I owed over XXXX XXXX dollars, and the Dept. of Education showed I owed over XXXX Million dollars. This information is grossly incorrect and damaging to my credit and to my person. 
I am requesting an immediate investigation and I pray this does not happen to another person. 
Sincerely, XXXX XXXX
Product: Mortgage

I informed the company that we are the legal owners since XXXX when we the property was first purchased at auction for cash and there were no liens, and that I have the Warranty Deed to prove it, and also proof that the mortgage was previously paid off in full in XXXX as well. After it was paid off in XXXX not realizing this was the case we refinanced with another mortgage company in XXXX. Now how that was possible when the mortgage was paid off in XXXX was a mystery so after some research I discovered that another WD had been recorded and that the original WD was ignored ... so the title and vesting rights were connected to the WD that was recorded last? I asked the people at the County Recorder 's office and they couldn't explain why this had occurred. But that we were the owners. To make a long story short the second WD that recorded was recognized as the legal ownership document when it should not have been and we signed a DOT at the same time that the original WD was recorded but was ignored. So every refinance that we did since XXXX was based on the Deed that was recorded last and not the original! We would not have a Deed if we refinanced the house in the first place! I have provided a more detailed explanation of the sequence of events that led me to stop paying on the mortgage in XXXX. I will include it with the additional documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never apply for capital one bank I send a letter to crediter and Credit report stil not remove I never apply
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive identified information and accounts on my personal credit as a result of identity theft. these accounts and transaction were not made by me
Product: Debt collection

I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$3100.00}, XXXX XXXX {$660.00}, LVNV FUNDING {$720.00}, LVNV FUNDING {$970.00}, XXXX  {$10000.00}
Product: Student loan

Private lender, expecting payments of XXXX a month. When I only make XXXX a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of {$340.00}, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that.
Product: Mortgage

Bank of America has not properly notified the credit bureau that my account from 2012 has been satisfied even though I have a confirmation letter from them and have attempted to resolve this multiple times. I am in the process of a refi on another home and this is an issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

XXXX cancelled a purchase that I made with my Navy FCU card and refunded it as a chargeback. Navy stated they didn't receive it. Went back and forth with Navy and XXXX. Sent Navy XXXX documentation of chargeback yet Navy never refunded. I expected my bank to protect me and they didn't. That balance as well as a host of unauthorized charges billed to credit card ending in XXXX for XXXX etc that ate still in dispute status. Yet Navy is reporting inaccurate and incomplete information which is damaging to my credit rating and finances due to finance charges that should not be applied for fraudulent or unauthorized debits
Product: Debt collection

XXXX XXXX XXXX has been calling me and somehow they now have gotten the numbers of my family members and are HARASSING THEM with constant calls. 
1 ) The name of the person they are calling about is under my maiden name, which was changed SEVERAL years ago ... yet they know enough to reach out to my husbands family? 
2 ) I do n't have any debts to my name. 
3 ) When I called them they tried to verify my name and a ) verified it wrong ... then tried to verify my birth year and had it wrong. 

I need them to stop harassing my family.
Product: Credit card

I have wrote to the XXXX XXXX requesting a call back and assistance and I am getting excuses why they cant pick up a phone and try to assist me. This is the bulk of my complaint the quality of care. I have been a AMEX member since XXXX and the quality of care has gone to XXXX over the last decade I am requesting assistance in helping freezing my account ( turning off my Amex cards ) so I stop getting charged on the cards as I am not interested in providing business to AMEX until they get there act together. I have hope one day they will be like the old Amex they once were which is why I dont want to close the account and only need help freezing my account.
Product: Credit reporting or other personal consumer reports

I have been frustrated to contact with the Transunion Fraud-XXXX  XXXX XXXX during XXXX  since XXXX. I am tired of the hard working to get a living relay to help the understand communication access when the XXXX  keep circle or restrict limited communication. I am not interested to report security freeze. I rather report to the fraud department that someone theft my identity person. That's unacceptable very serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX  and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

after submitting a claim to XXXX  XXXX about their erroneous and false allegations of fraud against me ( XXXX ) I was told that the negative reporting would be removed in its entirety. 
I also explained to the rep that Chex systems was also to be updated. It still has not. I am LOSING MONEY daily not to mention I was faced with an eviction as ALL the financial institutions will not let me open a checking account and all my open accounts were forcibly closed after XXXX XXXX reporting. Ive sent numerous fees and charges and legal expenses to them for reimbursement and i cant get an update from anyone. THEY ACKNOWLEDGED THAT THEY WERE AT FAULT AND SHOULD HAVE TAKEN THE 5 STEPS CORRECTLY INSTEADING OF JUMPING TO CONCLUSIONS. THEY SAID THEY WILL REVIEW MY FEES AND FINANCIAL HARM I SENT TO THEM FOR REIMBURSEMENT. ITS OVER XXXX $ of LEGAL AND BANK FEES IVE SUFFERED BECAUSE OF THIS COMPANIES SEVERE INCOMPTENCE AND INABILITY TO TRAIN THEIR STAFF IN PROPER BANKING PROCEDURES!!! AND ALSO STILL REPORTING ME TO CHEX SYSTEMS. REMOVE ME AT ONCE! I WILL NOT ASK AGAIN. MY COUNSEL XXXX XXXX HAS PREPARED THE COMPLAINT. ENOUGH IS ENOUGH.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Credit bureaus Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

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

I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/XXXX. I sent in a request with Certified mail to Equifax ( as per USPS tracking, it was delivered on XX/XX/XXXX ) requesting that XXXX  block the fraudulent information within 4 business days according to FCRA 605B. I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/XXXX, Equifax failed to block the information from appearing on my credit file. 

The following account is a fraudulent account : - XXXX XXXX XXXX XXXX ( established in XXXX )
Product: Debt collection

I havent ordered anything from XXXX with my credit card, my temporary roommate ordered some stuff from XXXX and due to delivery issues they have used my name coz Im on the lease, but they got damaged goods so they returned XXXX items and XXXX items where shredded according to XXXX XXXXnstructions. They got their refund. 

After a year cedar business has put a collection on my credit history coz my name has been used for the delivery. I tried speaking to cedar business but they wouldnt listen to me and wouldnt take off the collections from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has written transunion mulitiple times disputing two accounts on my transunion report which Transunion is breaking the law and not providing the information that i have requested from them and all they have to say is the accounts that i am trying to dispute are verified and they dont show me how they verified the accounts i am again going to ask Transunion to get rid of the n=bankruptcy and the XXXX XXXX XXXX XXXX account off my record due to not being mine
Product: Debt or credit management

Customer since XXXX of XXXX On time monthly payments, made up XXXX missed payments. Utilization percentage rate is stopping me from getting approved through other companies. My account keeps changing. My utilization percentage rate should not be at 103 % and last week on XX/XX/XXXX it was 100 % utilization percentage rate. My bill is not due until the end of every month which is the XXXX of XXXX.
Product: Credit card or prepaid card

I have had a Barclays/Uber credit card for nearly 2 years, and it was obtained due to the then cash rewards program that was very competitive. 

I used it during that time without complaint or issue. 

Then, beginning of this year, they changed the terms and conditions, notifying me only by email ( and not even in the portal where you sign in and actually interact with your card to pay balances XXXX. As a result, they took my cash rewards and I am unable to redeem them as I normally do. 

During that dispute that neither Barclays nor Uber was willing to resolve, I threatened to not pay my card until this resolved, and that I would Stop Payment my latest payment. The manager then said, " Go ahead. '' I did ; however, after a few weeks, I removed the stop payment and resubmitted successfully the original payment and more. 

However, Barclays charged me a Stop Payment fee and are refusing to reverse it, even though it arose from this dispute and their own Manager said, " Go Ahead. '' So on one hand, Barclays has " stolen '' my cash rewards AND they refuse to waive a Stop Payment fee their own manager encouraged during this ongoing dispute. 

Barclays has been entirely unapologetic and unhelpful.
Product: Debt collection

THERE SEEN SO INFO THATS ON MY CRIEDIT THAT DOES NOT BELONG TO ME
Product: Debt collection

Merchants Automotive Group and Right Direction Financial are refusing to remove an account over seven years old based on fraudulent charges from my credit report. The account in question is not a repossession. The vehicle was returned to the automotive group in 2014 after the automotive group began attempting to collect increased payments claiming that I had fallen behind on my payments. I had fallen behind in the past and had payments deferred to the end of my term as well as made separate payments to bring the account to current. Once the account was brought current, the automotive group continued to attempt to collect increased payments that were more than the agreed terms stating that, even though the account had been made current, I was still behind on my payments. After disputing this issue with the automotive group they refused to admit fault at which point I returned the vehicle. The company then stated that they refused to come collect the vehicle and that I would have to drive the vehicle from my current living address in New York, to their place of business in New Hampshire which I refused to do. The company then continued to attempt to collect payments on the vehicle for months afterwards before charging off the account. This account is based on fraudulent charges and neither company will remove this account from my credit report.
Product: Vehicle loan or lease

Account was closed keeps re appearing, account has been re-aged. I have already paid a company for the balance which they " Flagship Acceptance '' advised that I was scammed and still owe them. Called multiple times, agents are rude and hangup. This is continuously hurting my credit score. This account has dropped off my credit and then it re appears on my credit report dropping my credit scores. Need help, please. Thank you