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

I am trying to resolve an issue that has been ongoing for years. 
There are XXXX XXXX XXXX secured credit accounts that have been appearing on all 3 of my credit reports for years now. I reached out to XXXX  many times without getting anywhere. 
Ive never had any secured cards with XXXX. 
Every time I call the numbers provided I get a different answer with no resolution to the problem. 
Its been so frustrating. I can not even speak to a live representative half the time without having a card number, I do not have a card number so I just get stuck talking to an automotive system for hours sometimes. 

The representatives are over seas. So when you do finally get ahold of someone, they do not understand your problem or they transfer you back to the main menu before youre able to explain how you just were there Any time Im lucky, I get the representative live on the phone, they say they are unable to find any secured card with my information. 
I explain theres something there because its effecting my credit score in a very negative way and its on my credit report, one of the account say they were open XX/XX/XXXX And the other says it was opened XX/XX/XXXX. Thats the only information provided other than its XXXX XXXX  and its for two secured credit cards. 
Please help get this off my report. Its haunting it for years. No one seems to understand that on their end. 

When the representatives said they couldnt see anything or provide info I feel so helpless. 
I need these two accounts taken off of my credit reports, Please. 
Ive been fighting XXXX XXXX for many years now. Its preventing me from making life purchases. 
One account says {$99.00} and the other says {$98.00}. Such tiny amounts. Why are they on my credit profile. 
Delete delete delete!
Product: Mortgage

Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. TRANSUNION REFUSES TO ADDRESS THE FACT THAT THEY HAVE BROKEN THE LAW. THEY HAVE 30 DAYS TO INVESTIGATE A COMPLAINT. THEY INVESTIGATED AFTER THE 30 DAYS WAS OPEN. THE USPS VERIFIES RECEIPT OF ALL DOCUMENTS.
Product: Mortgage

I have submitted a previous compliant related to the issue I am encountering ( XXXX ). After filing my compliant, I reached out to my mortgage lender again on XXXX attempting to obtain my mortgage payoff quote. I was finally able to receive it, however, it was incorrect. XXXX revisions have been made by Seterus to my mortgage payoff statement to date, and it still has not resolved the problem. I am now 4 days away from closing, and Seterus still has not provided me a correct mortgage payoff quote. Seterus is still including my homeowners year premium in their payoff quote, despite the fact myself and the lender I am due to sign with on Friday have repeatedly contacted them requesting the homeowners insurance be removed because the yearly premium is being included in the closing costs for our new loan. I called Seterus again today seeking a updated and correct payoff quote, and was told they require 7-10 business days to process the request, and the earliest I can obtain the information is Thursday, XXXX XXXX and there is no guarantee I will. Seterus ' inability to provide me with a correct mortgage payoff statement is jeopardizing my refinance and they seem unfazed by the federal regulation requiring they provide a mortgage payoff quote no later than 7 business days after request.
Product: Debt collection

In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX 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 XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX reported to XXXX on XXXX XXXX 2017 that I owe the debt of {$220.00} to XXXX. I owe nothing to XXXX XXXX and do not recall having XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. The name of company is MIDLAND CREDIT and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Debt co llc has repeatedly called me since XXXX and left voicemails that are threatening and frightening. They say I need to contact them immediately as they have something filed against me. They first reported a debt from XXXX XXXX XXXX that I have never heard of nor could find online nor did they send anything in writing or notify me prior and it hurt my credit score. I filed a dispute with the credit bureaus in XXXX and they removed it from my reports. The calls stopped for awhile but have started again. They sent a letter in the mail in XXXX and I responded back in writing that I felt threatened by their repeated calls and aggressive voicemails and that they are trying to collect a debt I don't owe. The calls stopped for awhile and they have now started calling and leaving voicemails since XX/XX/XXXX or so. I usually ignore the calls but today XX/XX/23 I answered and let them know I felt threatened by their calls and I'd like them to stop. They immediately called me again.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I do not know what this account is in the amount of XXXX is for. I do not even know who to contact. I am requesting that this company please provide me with documentation supporting that this debt is owed.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :.
Product: Debt collection

on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.
Product: Credit card

Account number XXXX AvantLLC/XXXX XXXX Is reporting false information on my credit report showing I have a balance of XXXX this account was added to my XXXX XXXX and was discharged on the bankruptcy rules and regulation, all accounts are supposed to show a XXXX balance. I have reached out to this creditor several times.
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. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Product: Credit reporting or other personal consumer reports

Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXX on XX/XX/year> was not authorized by me.
Product: Debt collection

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : DSNB Macy 's Amount of Debt : {$1100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
3. A copy of the debt purchase agreement between the original creditor and the debt collector including all the terms and conditions of the purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of the debt from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Experian, XXXX and XXXX agency disputing specific accounts ( letter in uploads ) on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits these credit agency from sharing or reporting unauthorized or unverifiable information. Experian continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I made two payments with the following case numbers to XXXX XXXX through Western Union : XXXX and XXXX. I need the transaction history to verify the payments with XXXX XXXX. So, I contacted Western Union on XX/XX/XXXX to request the transaction history. The agent that I spoke to confirmed the transactions and requested that I fill out the Transaction History Form and send it back to Western Union with a copy of my ID card and proof of address ( Lease, affidavit, or a bill I have sent the information by mail twice and by email three times. The attached letter is what I have been receiving from Western Union that my signature on my ID is not similar to the signature on the form. I really need the transaction history to verify the payments I made to XXXX XXXX in XX/XX/XXXX. I hope Western Union will send the transaction History on time. 

Also, I have done a few transactions to send money overseas, and the recipients have been denied to collect the money because of a lack of ID cards or unmatched names. This all I would like to get from Western Union. 
Thanks!
Product: Debt collection

I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
Product: Debt collection

I sent a certified letter on XX/XX/XXXX it was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX for the Seller- XXXX XXXX   MerchantXXXX XXXX Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
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 1681XXXX XXXX  account # XXXX has violated my rights. in accordance with the Fair Credit Reporting act 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 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.