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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Debt collection

XX/XX/2018 XXXX. 
This is the third time this robocall system has called. 
This number is a government office - not assigned to an individual Call from XXXX Harris & Harris Ltd. 
Call to XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA, XXXX ( XXXX ) XXXX XXXX Midland credit management XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Request for Debt Validation Dear Midland credit management or To Whom It May Concern, I am writing regarding a debt that your company claims I owe. I recently received communication from your company about this alleged debt, which I do not recognize. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you validate this debt and provide documentation proving that I am responsible for it. 

Please provide the following information : 1. Proof that I owe the debt, including the original creditors name, address, and account number associated with the debt. 
2. A complete payment history on this account, including details on any fees or interest added to the original balance. 
3. Verification of your authorization to collect this debt in my state.

4. Any documentation showing that your company legally owns or has been assigned this debt.

Until I receive this information, I request that you cease all collection activities, including reporting this account to any credit reporting agencies. Please also confirm in writing that any future communication regarding this debt will be through written correspondence.

Thank you for your cooperation in resolving this matter. I look forward to your prompt response within the legally allowed timeframe. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scared form my cash app for {$2500.00} I tried to call cash app and they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Protection Act XXXX account # XXXX. XXXX FL XXXX XXXX Account Number XXXX, XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX. XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

I sent a certified letter to TransUnion asking to validate the debt from my student loan. They have yet to respond to my request electronically or by mail.
Product: Bank account or service

In XXXX I cosigned a loan from Wells Fargo for my wife 's college tuition. I was XXXX XXXX military and was given the 5.9 % rate guaranteed under the Soldiers and Sailors relief act. While on XXXX to XXXX, Wells Fargo put the interest rate at nearly 10 % without notifying my wife or I. The loan was on automatic payment and I only noticed the change while attempting to pay off the loan in XXXX. Wells Fargo has received full payment of the loan and I believe, wrongfully collected interest on the loan.
Product: Checking or savings account

I opened an account with Bank of America. I was in Pennsylvania with my card when it was declined. I called the bank and they told me someone was trying to add checks into my bank account and the appeared to be fraudulent. she then proceeded to tell me that Bank of America is deciding to close my account permanently and I will not be able to bank with them again. When I came back home from college ( XXXX where I live ) I took a trip to Bank of America in hopes of opening up another account and was denied even though I was not responsible for putting fraudulent checks in my account. This person got access to my account as well as signed my name which isnt my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand. They continue to put money in an escrow account when the property has been sold. Application of the escrow to the principal and the removal of recent late fees and property inspection costs on a property that I no longer own will bring the mortgage balance to zero. They should also provide proof of cashed checks that they claim to have provided as escrow refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.
Product: Credit card or prepaid card

In XXXX, I filed Chapter XXXX Bankruptcy as part of my divorce. Target Card Services was listed as one of the creditors. At the time I was, and had been, current with this account.

Target Card Services has repeatedly reported me as either late, or has misreported the bankruptcy as " dismissed '' throughout the process. I have called Target multiple times and asked them to correct it. The trustee arranged the payment with Target and they were paid 100 % of the amount owed on the schedule that was mutually established.

I finally spoke with a woman in the Charge Off department on XX/XX/XXXX. It was apparent that she did not know the difference between a Chapter XXXX and a Chapter XXXX bankruptcy and tried to shame me by saying that the account was charged off because I didn't pay my bills. I repeatedly tried to explain what I was told regarding this and the woman kept talking over me and saying that Target doesn't have to follow the same rules as other companies. It was obvious that I wasn't getting anywhere, so I am asking you to intervene to get this corrected.
Product: Credit card or prepaid card

This XXXX/SYNOVUS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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

I have a complaint against Experian and the inability to contact a person to resolve a relatively simple issue regarding my credit. I have an extended fraud alert on my credit account due to the theft of my wallet five years ago. I need to add a phone number to the fraud alert so that I am able to verify my identity with a bank in order to get a credit card. I have been able to contact both of the other credit agencies and have my number added. However, Experian makes it impossible to contact a customer service representative by telephone to request this change. I sent an email to Experian on line to request information on how to make this change and got an email response that sent me back to the same phone system that does not allow you to speak to an actual person. That Experian has control over my ability to access credit and makes it impossible to speak to a customer service representative is inexcusable.
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXXXXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late in XX/XX/2022XXXX XXXXt 90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then XXXX and XXXX has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Product: Debt collection

National Credit Adjusters sent me a document in the mail claiming that i owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer Pursuant to the FDCPA, specially 15 USC 1692g it states within 5 days after the initial communication with a consumer in connection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt, or any portion of the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt collector will obtain verifications of the debt and ( 5 ) a statement that, upon the consumers request within the thirty-day period the debt collector provide the consumer with the name and address of the original creditor, if different from the current creditor National Credit Adjusters has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to provide it within the 5 days. National Credit Adjusters also back dated their letter it states the typed on XX/XX/2021 when the certified green card receipts is dated for XX/XX/XXXX with signature of when they received it. Attached is the communication I received from them. On the Alleged Debts thank you
Product: Student loan

On multiple, yet separate occasions, I have submitted online payments towards my monthly bill for Navient. Although paying before the due date, I seem to get an email stating that my account is past due. When looking at my online statement, I see a notice stating " payment not processed ''. Of course, I called my bank to see if it was an issue on their end, and it was n't. I made another payment, and instead of cancelling the second payment, Navient has accepted the payment, and continued to charge me for the next month. I can prove, mind you, that I have not been late on any monthly payments. I also had to consolidate my loans after XXXX XXXX closed, causing my balance to double. I can not defer payments, they will not lower payments, and they keep insisting on forbearance for a year, paying only what I can. I have done this once, and noticed that my interested doubled. No thank you. Let me also add that you can no longer make payments online using a credit card. You have to call and use a debit card to make a payment over the phone, and customer service is not the easiest to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on XXXX. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing XXXX checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a XXXX that I gave up for XXXX  It is not ok that the people I work with find out this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. I have applied for a loan. The loan company can not access my credit because of a freeze. I never froze my account. However, when I call Equifax to remove the freeze it is supposedly lifted. However, the loan company can not access my credit as it appears to be frozen. 

The Equifax website indicates that it is not frozen. But the loan company still can not access the account. 

Endless calls. Endless time spent with customer support. Yet my credit can not be accessed.