23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX
Product: Credit reporting or other personal consumer reports

I had a charge of still reporting on my credit. 
I had a misinformation on my credit report I disputed it and its coming back verified as correct. The statute of limitations has already past the XXXX yr mark and the debt remains on my credit report. I need you to remove any negative items on my credit report immediately.
Product: Checking or savings account

My identity has been stolen for years along with every phone number that I have had. I just started a new bank account which I had trouble with even starting with my social security number in the first place but eventually the banker was able to process everything. 
Now, upon looking at my bank online I see that my account was accessed from a XXXX XXXX numerous times. I don't have and have never had a XXXX or accessed my information on one.
Product: Student loan

Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute old student loans reported by Navient several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

NCB Collection with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and Security finance account # XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I woke up with {$2400.00} taken from my bank account. I had received a text from XXXX asking if I authorized this transaction, I replied with NO. I called to dispute transactions that were not mine. They had canceled my card and the next day an additional XXXX $ was taken. After I had advised them to not authorize this merchant, they still allowed these transactions to go through. They then denied my claim saying I authorized these transactions. These transactions were not made by me.
Product: Debt collection

DATE ASSIGNED XX/XX/2019 AMOUNT {$3900.00} I CALLED TO THE COMPANY ASKING TO REMOVE THIS INCORRECT INFORMATION AND I EXPLAIN THEM THAT THIS NOT MINE, I WAS A VICTIM OF THRFT AND I HAVE A POLICE REPORT. 

CONVERGENT OUTSOURCING, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX CREDITOR NAME : XXXX XXXX XXXX
Product: Debt collection

This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Credit Reporting Agency, This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 the following : an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened aXXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account # XXXX, an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal charge card account opened at XXXX on XX/XX/XXXX XXXX the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a debt buyer account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Affidavit # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Please confirm in writing that the aforementioned fraudulent information has been blocked and provide me with an updated copy of my credit report. I thank you in advance for your rapid response to this matter. 
Note : Do not response back that the company needs time to process this matter. As it will be taken as causing harm as it will be. In which it will result in legal actions requesting compensation relief.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX 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
Product: Debt collection

In XX/XX/XXXX my Bankruptcy was discharged in the Federal Court in XXXX XXXX. Included in the bankruptcy was a mortgage on a piece of property located in XXXX, XXXX which we did not retain. The Mortgage company ( Nationstar Mortgage ) filed for foreclosure in XXXX, the district court in XXXX, XXXX  dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XXXX Nationstar mortgage sold the mortgage to XXXX XXXX XXXX, this this point to date XXXX  continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less then 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.
Product: Credit card or prepaid card

I had this issue back in 2021. I thought the issue was fixed but it wasnt. One month my balance was {$1100.00} and I made a payment of {$200.00}. The following month I still owed {$1100.00} dollars. 
I told them they continued to be corrupt and they still did nothing about. They have ruined my credit and have been harassing me. Theres over 100 Voicemails. And 1 letter.
Product: Credit reporting or other personal consumer reports

I asked to fix the error - my old address ' house number is listed as XXXX '', and Equifax REFUSES TO FIX it to correct XXXX - XXXX ''
Product: Money transfer, virtual currency, or money service

Certegy Payment Solutions , LLC has denied me to cash a check at XXXX. I called to speak with a representative as to why. I was told I have negative information on file, and that the check is good. They gave me my check business phone number and tried to hurry me off the phone. I got the run around as to what was negative on file, and why they could not cash a check that was more than in good standing. The check was able to be cashed at a different store moments later. The check had nothing to do with why I was denied. I was denied because of myself, however, they can not tell me why. I requested a consumer file disclosure report. This report only had information for the date my check was denied at XXXX, and an approved in inquiry for XXXX. The XXXX check denial has a code ( XXXX ) that states " This transaction received a decline recommendation from XXXX because our records indicate that there is negative information on file, most typically due to a returned check. '' No other information was received, no negative reports and any information as to why they would deny me. Per my rights under FCRA, I am entitled to the information that was used against me to deny my transaction. The company states in their XXXX denial code that a returned check is on file. If this is on file, this needs disclosed. It feels like discrimination. They can not tell me why they deny me, but can deny me. This is wrong, and they are not disclosing what information in my file that is being used against me, therefore they are violating my rights under the FCRA.
Product: Debt collection

I have just received a letter from " Merchants Credit Association '' regarding a bill that I apparently owe a medical institution in XXXX called " XXXX Hospital XXXX XXXX ''. 

I have certainly never stepped inside this medical center, let alone been anywhere the company they claim to represent ( I have been to XXXX once in my life ). This so-called collection agency has sent me a letter saying my " account '' is in arrears, yet I have obviously never had such a letter from any medical establishment. It 's all incredible vague and suspicious. 

A few weeks ago I started XXXX, and of course registered for XXXX LLC. I set my home address as the public domain address on file, and I assume these guys are trawling the Washington State XXXX database and looking for victims to extort money from. 

The letter is very vague, and I ca n't find out much about the collection agency, so I 'm not sure what the correct course of action is. I do *not* want to invoke correspondence from these guys, as many reviews online states that this is used to be able to ascertain your telephone number in order to constantly harass you. 

Again, having this absurd demand and have never even stepping foot inside this medical center, or even hearing about them makes me think that they are purely looking for victims using Washington 's online small business database. 

I include a copy of the letter I received. 

Many thanks, XXXX
Product: Debt collection

total amount is {$470.00} to XXXX XXXX. I returned and paid off all of my remaining balances before I moved to the home I purchased. I'm still not sure what I owe? but I believe its because the equiptment I mailed back to the company was not received. I don't recall ever getting a call from XXXX  to attempt to collect a debt. I only got a call from Waypoint and they did try to collect that debt. 

I've called waypoint a few times and attempted to pay off the balance only if they agree to remove the nagative mark or allow myself to remove or delete the negative mark on my report. all 3 times they refuse to email me, write or verbally agree on the recorded line to allow me to delete or remove it from my report myself. 

I don't feel like its fair to pay for this balance since I never had the opertunity to pay it off before it became a collection. I don't was to settle, I would like to pay it off in full asap. 

this complaint is with Waypoint and XXXX XXXX.
Product: Debt collection

I sent a cease & desist/removal of contact information to the company on XX/XX/2019 due to the company contacting me at work and several of my co workers and my manager. I informed them I am not able to receive personal calls at work as this is grounds for disciplinary up to suspension or termination. On XX/XX/XXXX, XXXX from the same company contacted me on my work number. I asked for her information and stated that I would give her a call back. She refused to hang up. After repeating myself multiple times, I hung up on XXXX. She then called back and left a message stating " It seems we were disconnected ''.
Product: Mortgage

I lost my job in   XXXX   XXXX   XXXX  . I started falling behind in my payments on   XXXX   XXXX   XXXX  . I received  XXXX  for 6 months unable to find a job. I started working as a substitute teacher in   XXXX   XXXX  . I 've been in this situation before with Chase Mortgage but went through all the steps and started making my payments again on time when I found a job. I 've never missed a payment while I was working in the 16 years that I was employed with Chase. I just found out my house was sold back to Chase on   XXXX   XXXX   XXXX   without any knowledge. I 've been working with   Chase   the whole time I was  XXXX  and then I get a letter saying I 'm in foreclosure and my house was sold. They did n't work with me like they did the first time in   XXXX   and I was unemployed longer during that time. Dealing with Chase mortgage you constantly talk to a lot of case workers. My situation is handled by many and you have to keep sending in information all the time. I want to keep my house. I need your help.
Product: Checking or savings account

Date of application : XX/XX/2023 Name : XXXX XXXX XXXX XXXX ID : XXXX Bank : BMO XXXX I attempted to open a CD online with my wife. My application for the CD was denied and I was not given any reason or way to rectify the denial of my CD application. 

I have attempted to contact customer service to find out why my application was denied but i was told by the representative that the reason could not be given as to why my application was denied. Without knowing why my CD application was denied how am I suppose to rectify this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.
Product: Credit card or prepaid card

On XX/XX/2019 I bought a XXXX XXXX, by NetSpend prepaid debit card and loaded {$50.00} dollars on it. As of today XX/XX/2019 I can not use the card. Today I was told that I can not withdraw any cash I could only make in store purchases with it. I also was told I can not transfer money from this card to another.
Product: Debt collection

Company claims i owe for XXXX but XXXX tells me ive never had a past due amount and i have XXXX XXXX service now, ive asked several times for this account to be validated and have been denied.
Product: Mortgage

In XX/XX/year> our insurance increased XXXX  %. Which raised it to $ XXXX yearly premium. Called my insurance company to get it fixed and got it dropped to $ XXXX  yearly premium. My mortgage company is still reflecting my yearly premium to be the $ XXXX year instead of the $ XXXX year. I have tried numerous times to contact the issue which is nearly impossible so I have contacted my insurance company and had them email the new yearly premium XXXX times since the XX/XX/year> incident and still nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XX/XX/XXXX I was a victim of identity theft ; Because a mail came in that said my taxes were ready to collect and id never do taxes i was XXXX. I am now XXXX and i cant open any banks and all my background checks fail. I know it was fraud for sure because i get so many messages on my cell phone about someone named XXXX XXXX. I see that name everywhere now and it's using my credit and social security. Please i want to know how to get my credit back to normal.
Product: Debt collection

I tried to contact plaza services and was given false information and they have something on my credit report that is fraud and not mine and I have tried to take care of the issue with them to clear it but I am always greeted by a rude call taker that is not listening to what I am saying. Furthermore this is a violation of the consumer laws especially 15 U.S. code 1601c. I did not authorize this and this debt doesn't match my information at all.