23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged a balance transfer to my Discover account on XX/XX/XXXX, for the amount of {$4900.00} - this is a fraudulent claim, and I never made this balance transfer. Ive called Discover every day since seeing the charge, and Ive received different information from each agent, with little help or reassurance from anyone. My credit is spectacular, and Ive been a customer since XXXX. Discover said someone possibly got ahold of one of the checks they mail out automatically, which I never have requested. I need help getting this resolved, and getting my money back.i did not make this balance transfer, or initiate it. I have no idea who or how this would have happened. It is fraud.
Product: Payday loan, title loan, or personal loan

Luckmore finance continually keeps putting hard inquiries on my credit its happening without my consent. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with XXXX XXXX and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a XXXX XXXX chooses to arbitrarily punish its customers. This was abusive and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Nelnet , Inc. sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.
Product: Debt collection

This debt is reporting with a third party collector called, Diversified Consultants. I called this agency many times within the last two months, but no answer. I think they are out of business. Then I called XXXX  ( aka XXXX XXXX ) and they too are not answering calls. Both phone numbers I have for them of XXXX and XXXX aren't working. No one answers. This debt is not mine of {$210.00}. I have an active account with XXXX   where I pay monthly, and I don't have any past due balances with them. I am asking that you remove this debt completely from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies XXXX, XXXX and Transunion to do a verification of my credit report in XX/XX/2022 in which they completed, the companies stated that everything was accurate. Upon thoroughly reviewing my credit report myself I found improper inaccuracies even after the bureaus completed their research. Such as identity verification, date opened, this account is also showing open although placed for collection which is a violation. 


Account : XXXX XXXX XXXX XXXX  Creditor : XXXX Acct XXXX : XXXX In accordance to the Fair Credit Reporting act I XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XX/XX/XXXX.
Product: Debt collection

Account was paid in full since XXXX once company had informed me of other accounts associated to me. Id agreed to pay the account under the impression that it would be removed from my credit report. Id made the payment despite of my financial hardship due to my sons hospitalization. Its been inaccurate reporting to a couple of major credit report bureaus making it impossible for me to fulfill my dreams for better opportunities for my family.
Product: Vehicle loan or lease

I had an account with Santander Consumer for a XXXX XXXX XXXX in XXXX. I barely had the vehicle for a year and the power steering went out multiple times. I kept having to take it to XXXX to get fixed using the warranty I had. Everytime I got it fixed it stopped working not even a week later. I got behind on my payments due to always having to rent a car or XXXX due to not having the vehicle. I tried to work something out and the repossessed the vehicle after a month non payment. Now santander has a lawsuit out for a loan forgiveness. They are trying to sue me for the XXXX that is owed even though the car is sold and has been since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I called XXXX CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specialized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT. EXPERIAN XXXX WITH RETURN RECIEPT ALSO. Which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX and I DEMAND REMOVAL IMMEDIATELY!!! XXXX AND Experian have conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX and EXPERIAN IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.
Product: Debt collection

The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of these debts or proof of their legal right to collect. These actions have harmed my credit profile, significantly lowering my credit score and limiting my access to essential credit opportunities. Additionally, the lack of proper communication has caused undue stress and confusion. 
I am requesting full validation of these debts, including : Proof of notice sent to me regarding the debts. 
Tracking numbers to verify the delivery of these notices. 
Legal agreements showing their right to collect the debts. 
Furthermore, I do believe that XXXX XXXX has a clause preventing them from selling old debt. Please provide documents verifying whether this clause applies to the accounts in question. 
The presence of these derogatory account has not only negatively impacted my credit but also caused unnecessary emotional distress. I urge you to address these concerns promptly and provide the requested information.
Product: Credit reporting or other personal consumer reports

My Federal Student was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed
Product: Credit card or prepaid card

Chime had sent me an email stating that they were to close my account in matter of days well I still had money coming into that account. I had wired what I had left to my XXXX account but never received my {$750.00} that was to be refunded to me. I called the company about it and they stated they sent the cash out to chime but this was after my account had been closed. Ive tried contacting chime with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax improperly reinserted inaccurate information on my consumer reports that was previously disputed and deleted 6 months ago.
Product: Credit reporting or other personal consumer reports

Good day, agent. I heard back from XXXX, XXXX and TransUnion as they have finished their reinvestigations. ALL THREE verified my account as accurate with some modifications they made. I am in total disagreement with these finding. This account CAN NOT be verified as accurate if all three conducted " accurate verifed '' results that do not match one another. It's so bad that XXXX 's reinvestigation changed my charge off date to XX/XX/XXXX, which is the date I paid off the charge off, the other XXXX bureaus reported charge off XXXX not XXXX, mismatching info! Again reporting my account inaccurately and hurting my consumer report. XXXX has my first delinquency reported as XX/XX/XXXX, the other XXXX says it's XX/XX/XXXX ( which is odd because Transunion also has my account closed as of XX/XX/XXXX which contradicts them saying my account was open and ok until XX/XX/XXXX ). Mismatching and contradicting info! Date opened info is inaccurate among them XXXX, as well as : Date last paid, date last active, highest credit balance and XXXX reporting me as Derogatory when TU & Exp has as paid. All mismatching information. I provided updated documents to verify this, as my updated, supposed, " accurately verified '' consumer reports is not accurate nor verified. 

You all truly failed to reinvestigate this account properly and your utter neglect has violated my rights! I am requesting all the information and data the bureaus gathered to " verify '' my account. I also want an updated consumer report as well. I demand this account to be completely removed from my consumer report. For years this inaccurate reporting has caused my family and I to lose out on thousands upon thousands, missed opportunities and lowering my quality of life! 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item from my report, immediately : XXXX XXXX. Thank you, take care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding an incorrect collection account showing up on my credit report. After reviewing my credit report, I found a collection account under the name The XXXX XXXX XXXX in the amount of {$1700.00}. I am not aware of this account as I have never had service or an account with XXXX XXXX. I started the dispute process with TransUnion, XXXX, and XXXX to let them know this account is not accurate and should be removed as soon as possible. TransUnion sent me two letters pretty much indicating they do not accept dispute letters from credit repair agencies. I am not working with a credit repair agency and I have mailed multiple letters to TransUnion regarding this issue. I also sent letters to XXXX and XXXX and I was told either the account was verified, or I did not get a response at all. 

Neither of these credit bureaus can provide me with a signed contract indicating I worked for XXXX XXXX or I had an account with XXXX XXXX. According to the FCRA, anything that can not be verified, must be removed from my credit report. I have made multiple attempts to get this account removed, but I have not received an appropriate answer to this issue. This inaccurate collection account is causing me hardship and is negatively affecting my credit score. This issue is also preventing me from purchasing a home. I would greatly appreciate your assistance with getting this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning services did not do a fully in vstigation on the following fraudenlemt accounts Banks that were open up fraudenlty 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

My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit
Product: Debt collection

According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. 
My mortgage servicer, XXXX XXXX XXXX XXXX XXXX violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an XXXX to XXXX ( XXXX ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action. 
XXXX XXXX XXXX XXXX XXXX did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt. 
This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.
Product: Credit reporting or other personal consumer reports

All students loans listed on credit report from DEPTEDXXXX are past XXXX years old and should be removed from credit report. After reviweing my credit report I called and asked them to send me the original contract so that I could review the terms for myself. In addition to it reporting in accuarte information names, dates open, and late payments. Please remove all student laons from this credit report .They are damaging the consumer credit report .Purstant to 15 U.S.C sub section 1679c- disclosures after it is XXXX years old credit bureau MUST remove .
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX  and followed up on XX/XX/year> ) in regard to an unfamiliar account that was on my credit report. I reached out to the debt collection agency. Upon speaking with them, they were only able to provide me with my name and the account number attached to the file. The social security number on the account did not match my social. They then advised me to contact XXXX XXXX to discuss the nature of the account. Upon speaking with Spectrum, they informed me that they did not have that account number on file or any other outstanding account. She then recommended that I go into a local store location, so that they could run my social against any possible outstanding accounts. I went into the local store on XX/XX/year> located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to see if they were successful in locating the account. They were unsuccessful and told me that the account number given did not match any records. I called XXXX XXXX XXXX back and explained what took place at the store. They said they would remove the account, but that I should also file a dispute with the credit bureau ( XXXX ) that the account was being listed. I filed the dispute with Transunion, however, the have consistently validated the account despite the account not being valid with the original creditor or the agency collecting the debt. I have disputed this account now going on the fourth time. Each time Transunion has validated without providing any means in which the account was verified. In addition, the XXXX and XXXX have identified this account as reporting in error and have corrected the issue.
Product: Debt collection

I had a car with American Car Center we know that they filed for bankruptcy and this company Westlake took over their lease contracts. I did receive an email from them telling me they took over ACC accounts but it mention on the bottom of the email this is not an attempt to collects debt. Well recently I woke up and my car was gone! They repoed my car and when I called them they say I still owe on the car which I didnt know and on their site its telling me to pay but I dont have a total amount and what Im paying for! I found out I owe to purchase the car because I was just leasing. I had to pay {$1000.00} to get my car back and now they saying I owe {$5000.00} to totally own the car. I have no documents from them and they dont even have all the paperwork from ACC bankruptcy trustee so they dont have my lease agreement they just going off of whatever is being sent to them. I dont want to pay them and dont have proper documentation on what is owed
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/year> I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/year> I checked my report and noticed an inquiry from XXXX XXXX that i did not request. Date of inquiry XX/XX/year>