23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not received a validation response to my request for verification of the debt, you have not set me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. 
As you know
under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collector 's validation response to the following : I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I received a credit report from TransUnion because I had a question about our FICO score. Our FICO score dropped from in the 800s to almost 700. So when I received the report it showed a credit card from XXXX showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called XXXX right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to XXXX, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call TransUnion, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and 2 unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if TransUnion had all my info could they not get ahold of her? Especially, her name was on my report or XXXX if they had her name and 2 addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, account ending in XXXX with Costco/CBNA was paid in full ( {$3000.00} ) via my bank account with XXXX. On XX/XX/2021, the creditor reported the XXXX balance to all 3 credit bureaus as shown in the attached report. XXXX balance is also reflected on the account statement, also attached. On XX/XX/2021, the lender reported a balance of {$3000.00} to the XXXX credit bureau. I contacted the lender on that day and was told by the representative that she needed to initiate a dispute. On XX/XX/XXXX, I received an email that more information was needed to process my request. I contact their office that day and spoke with the credit manager who told me that the representative made notes on the account that they didn't know which statement was in question. He initiated another request that the account be updated to the credit bureaus. Today, XX/XX/2021, I purchased an XXXX report from XXXX XXXX and the report shows a balance on the Costco account. Documentation is also attached. I attempted to file a dispute on XXXX online, but I was unable to. I then contacted XXXX via phone and filed the dispute manually. I have shared with all parties that I will not be jerked around concerning this situation and want it remedied immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts must be verifiable that are on your credit report. I have reached out to LexisNexis on multiple occasions to get information on a Bankruptcy that XXXX, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from LexisNexis stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from LexisNexis and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to LexisNexis where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If LexisNexis Certified this information is correct then where is the copy to be sent to me?
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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!

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

Barclays ( JetBlue Card ) was unable to process my payments for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) granted I've been using my bank account to make all my payments since I have had this card in XXXX. I have tried to make payments of {$1000.00} on both occasions. I called multiple times to make the payments over the phone, and they still could not process the payments with my debit card. 
I have even made a conference call with my bank, XXXX  XXXX XXXX, and a XXXX at Barclays. XXXX  XXXX XXXX reassured the XXXX that I have more than enough to make the payment and that the problem is not coming from either my bank account or the bank itself. 
Unfortunately, the XXXX is not able to stop the reporting on credit report despite the problem is coming from their end and my numerous attempts to make a payments. 
Barclays asked me to report the case to CFPB since that will trigger them to respond and clear all negative remarks on my credit report. They have all the notes of my attempts to make payments well over the minimum amount and also that their system is strangely blocking my bank account to be added as payment method.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is been going on since XX/XX/2023 I HAVE GIVEN TRANSUNION ALL SUPPORTING DOCUMENTS TO DELETE THESE INACCURATE ACCOUNTS FROM MY REPORTS, LAST DISPUTE WAS SENT ON XX/XX/3023 BUT THEY LIKE TO PLAY GAMES AND DO NOTHING ABOUT IT. THEY SAID IN A LETTER THAT THEY VERIFIED, BUT WHEN ASK TO SUBSTANTIATE THEY NEVER DO.. PLEASE HELP ME. I FEEL THAT TRANSUNION IS TAKEN ADVANTAGE OF ME. nothing gets verified. transunion just likes to laugh at The FAIR CREDIT REPORT ACT...
Product: Credit reporting or other personal consumer reports

I have a Macys account that appears on my credit report that has been giving me a hard time. I have been asking for verification of the account because I did not open this account and I need either proof of to see who is the person that opened this account is, because it was not me and their verifying saying that it is verified as mine so I want to see the proof because I did not opened that account if they can not provide me proof I need this account removed immediately. 

XXXX, XXXX. 
Account # : XXXX Also, after writing my last dispute and sending it via certified mail with return receipt, I failed to get a response within 30 days
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I paid off my NEW XXXX credit card- {$66.00} before cc delivered. The Credit Card NEVER ARRIVED! 

On XXXX XXXX while I was APPLYING for a Balance transfer on my auto loanI saw my credit score had plummeted XXXX Points!!!!! Dropping it below the REQUIRED score or XXXX!! 

I call XXXX and spoke to financial department! I explainedmy card never arrivedI paid in full-By law I must be 180 days delinquent AND they Must have attempted to get payment!!!! Before turning over to collection agency. 

THAT I NEEDED THEIR FAULSE COLLECTION CORRECTED IMMEDIATELY- so I could do my Balance Tranfer within 72 hr-to save the {$120.00} interest on car loan! 
They said 30 days!! THE FALSE DOCUMENTATION just cost me {$120.00} I need this corrected immediatelyI need THEM TO REFUND ME that {$120.00} & see my score restored asap to get this accomplished! 

NONE of this is my fault!! The Credit REPORTING system is SOSOSO BAD & it can destroy one in minuteswith false info THEN we the consumer Pay the price Physically, emotionally and Profound Stress!!! PLEASE HELP. PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my account and noticed that there are two accounts under the same name ( XXXX XXXX XXXX ) one account number is XXXX and the other account number is XXXX while this is not the issue at hand I am seeing that its reporting on my report for one item, one has a balance of {$14000.00} which was opened on XX/XX/year> and one has a paid off balance which was opened XX/XX/year>. The company and the credit bureau failed to correct this problem, they are saying that the information is accurate. How can this be seen as accurate for two different accounts for one item with one being paid off earlier and returning under a different account as owing a balance. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

on XX/XX/2023. i made an order with XXXX. i used my apple credit card issued by goldman sachs bank. i never received the package. i contacted XXXX first and they said they had proof of delivery so they would not be refunding me or sending me a new shipment. i contacted apple card support and they issued me a temporary credit while they investigated the disputed transaction. i have twice now gotten emails from them stating they are going to charge me for the transaction because it was delivered. they sent me a picture of said delivery ( it is not my door or door mat the package is in front of ) i filed a police report about the incident and the police cited the package as being stolen. i sent them a copy of the police report and they again, refused my dispute. i never received this package.
Product: Credit reporting or other personal consumer reports

My loan servicer is XXXX and i was supposed to have my XXXX XXXX reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my XXXX XXXX  have been forgiven in full and no longer require a repayment but XXXX will not remove this loan debt from my credit report please help me out!!!
Product: Credit reporting or other personal consumer reports

I have federal student loans that were once serviced by Nelnet. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but Nelnet is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the student loan debt that I actually do. I twice submitted a request for this to be fixed through XXXX. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. Nelnet then rejected the request again in less than 24 hours. Nelnet 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called Nelnet on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through XXXX to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX EDUCATION/NELN Balance {$53000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$49000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$18000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$29000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$19000.00} Balance updated XXXX XXXX, XXXX
Product: Checking or savings account

I opened this account on XX/XX/XXXX under a promotion that stated the account would earn {$750.00} if ( XXXX ) {$30000.00} was deposited within 30 days and kept for 60 days after the offer enrollment, and ( XXXX ) XXXX qualifying transactions were made. There was a lower tier of the promotion that would earn {$300.00} if at least {$2000.00} was deposited instead of $ XXXX. I met both requirements of the higher tier : the bank confirmed I met the qualifying transactions requirement, but said I only qualified for the lower tier ( {$300.00} ). They did not explain their reasoning. 

I clearly met the terms of the higher tier. My offer enrollment date was the date my account was opened ( XX/XX/XXXX ). 30 days from that date was XX/XX/XXXX ; I deposited the funds prior to the 30 days on XX/XX/XXXX. 60 days from the offer enrollment date was XX/XX/XXXX. I withdrew the funds after that date on XX/XX/XXXX. 

The bank also inappropriately withheld federal income tax despite my certification that I was not subject to backup withholding during the application process. I am happy to provide a W-9 if the bank requires more on this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This is hurting me as I am in the process of obtaining credit and purchasing a home. Please remove the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place a freeze on my report with Equifax due to data breach at approx XXXX on XXXX2017 via Equifax online website form. I entered all required info and website stated there was an error processing. I assumed it was because I was on my phone so I tried to place freeze using my desktop computer. I again entered my info but it is now showing that freeze did go through, however I was not given a 10 digit PIN #. I now have no way to unfreeze this account. I 've tried contacting Equifax but I can not reach an actual person at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX 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 XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

When I originally took out a refinance mortgage, XXXX XXXX the underwriter for XXXX XXXX required that I pay some creditors on my credit that did not belong to me. The title company cut checks to each of these creditors. They gave me the checks, when I called the creditors to get mailing address they stated that they did not have an account for me. I explained about them being on my credit reporting and again they stated that there was no where to apply funds because they do not have an account for me. I tried for years to get some one to help me I could not afford an attorney ... .I am XXXX years old XXXX would not help me. I have asked Seterus repeatedly to prove ownership of the loan the copies of the loan docs prior to this transfer, my good faith estimate, my truth in lending document, they will not mail it ... .then stated that it would be XXXX per page ... I agreed but they never sent anything. I am receive XXXX per month, my mortgage is XXXX. I am paying for money that I never received ... .please help.