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

On or around XX/XX/XXXX, a previous landlord contracted National Credit Systems to collect an illegitimate debt. 

At that time, I requested that National Credit Systems validate the debt, specifically asking for documentation showing that I provided insufficient notice to vacate and that the landlord complied with Florida Statute 83.575 ( 2 ) by providing the proper notice required to charge liquidated damages. Despite my request, National Credit Systems failed to provide such documentation. Instead, they validated the debt and reported the collections account to the credit bureaus.

Over the past four years, I have repeatedly requested debt validation and supporting documentation from National Credit Systems. Each time, they failed to comply, resulting in ongoing monetary damages. 

On or around XX/XX/XXXX, I once again requested debt validation. National Credit Systems did not provide any supporting documentation. Instead, I was informed that the burden of proof was on me to show that I had provided sufficient notice to vacate, and that my previous landlord was not required to adhere to the notice requirements outlined in Florida Statute 83.575 ( 2 ). This is contrary to the terms explicitly stated in my lease agreement. 

On XX/XX/XXXX, National Credit Systems informed me that they would no longer attempt to collect the debt and would be closing the account. However, they still claimed the debt was valid, despite clear evidence that it was not.
Product: Checking or savings account

XX/XX/XXXX  redeposit at maturing  XX/XX/XXXX   ( CD 's # 2 of  them.  Deposit  made by merger, from  XXXX   XXXX  had merged to  Peoples  Bank.  Peoples  bank made a search but it was denied that the funds were still viable who also said we have no recourse. We have the  CD  's in hand, after we were looking over banking info in our financial documents in apartment we foun d   XXXX    cd 's. Before the divorce my son and I had a different name. After the divorce we both changed our last name. The amount of {$18000.00} was payable in my husbands name, but he never received the Cd or any money. I hope to find or litigate the missing funds into my possession. My name before the divorce was  XXXX , afterward my son and myself changed names to  XXXX .     AMOUNTS  XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX
Product: Mortgage

I sold my house back in XXXX XXXX  I have been owed a reimbursement check I have talked to 3 different agents one her ID was XXXX they talk to fast started reading them, I call and give them my new address they say the will be in the mail, every time no one has a record of me calling, I have went into office locations they won't help, went I to the XXXX branch to get the loan number to file a XXXX help me very nice man told me nothing had been do e the address hadn't be changed, got the account number sent there for about 30 minutes he was trying to fix this for me had 5 minutes to get to work left my number. Have go a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get a credit report from LexisNexis, we have requested 4 different times. Our house insurance XXXX  XXXX XXXX uses LexisNexis and they keep sending back they have no information on my husband but have not sent anything on me. The letter we received from XXXX XXXXXXXX XXXX reads that a list of factors ( derived from your credit history ) that had the most impact in reducing our score. The 2nd item listed is # of AUTO FINANCE ACCOUNTS ESTABLISHED REDUCING. We requested our credit reports from all three Credit Bureau and they only show one auto loan and that was paid off inXX/XX/2014. We would like for them to send the report that they sent XXXX  XXXX XXXX so we can see what other auto loans they are seeing. This report has cost us more in house insurance. 
Mailed off a request on XXXX XX/XX/XXXXXX/XX/2021 Sent a certified Letter on XXXX XXXX XX/XX/ Sent E-mail on XXXX XXXXXX/XX/XXXXXX/XX/2021Sending a request by their system XXXX XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Original loan amount {$18000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto XXXX XXXX Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$18000.00} Monthly payment {$0.00} Additional info : I paid it off and company agreed to removed upon payment, I simply need this action honored.

Responsibility Individual Terms 78 Months Company sold XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number By mail only XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 49 % of this account is paid off Balance on XXXX XXXX, XXXX {$6600.00} Original loan amount {$12000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off Status date XX/XX/XXXX Past due amount {$6600.00} Original loan amount {$12000.00} Monthly payment - Additional info : Written off due to Car Transmission replacement wasn't covered by factory warrantee. XXXX considered it a loss and wrote it off. Plus its pass the statues of limitation period in Virginia. 

Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. 

XX/XX/XXXX Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments No comments Statements No statements Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Additional Information : If the XXXX XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two months I have tried calling XXXX and XXXX about removing inquiries from my credit report that I did not authorize and I have gotten no results as of today which is XX/XX/2018 there are over 15-20 inquiries that has made my credit drop drastically and I did not authorize this. Such as XXXX which they said it was fraud on the inquiry and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

1. account name : XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX  account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested for Experian to prove the validity of some accounts on my credit report due to identity theft with the irs they have refused to send verifiable proof such as a contract from these accounts everything is just verified XX/XX/2018 end of the investigation and wont reinvestigate and refuses to show me proof this debt belongs to me I need help. I have had some of the account removed from my XXXX  and XXXX that where unable to be verified but Experian wont look into this.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report related to an entry from Diversified Adjustment Service. The report shows a debt of {$1100.00} dated XXXX XXXX XXXX which I believe is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to report and dispute inaccurate information on my credit report as maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. As of this date, I have not received any response from TransUnion. Below are the details of the inaccurate information and the necessary corrections : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX Remarks : This account is not mine, and I request its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX  : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

In XXXX XXXX I opened an Ashley HomeStore credit card in order to purchase a couch for my new home. Although I had XXXX XXXX interest for a year I paid off my card within 8 months. 

I received notification on XX/XX/XXXX that Synchrony was closing my account " after a review ''. They chose to close my account due to the following Lack Of Real Estate Secured Loan Information Too Many Revolving Accounts With High Balance Compared To Credit Limit Too Many Inquiries Balances On Bankcards Are Too High Compared With Credit Limits 1. Why was my account reviewed? There were no missed payments of any kind or late payments.

2. What does having a mortgage have to do with purchasing furniture?

3. What does my balance on other cards have to do with my Ashley HomeStore Card?

4. Why would Synchrony close a card with a {$0.00} balance and paid on time when in use?

Synchrony closing this card caused my credit score to drop XXXX points flat out. Synchrony Bank harms consumers by closing accounts that aren't posing a risk to them and damages consumer credit worthiness for no reason. 

They actually did this previously to me with an old Lowe 's card. At the time that card also had a {$0.00} balance and Synchrony had cited that my credit score was " too low '' then closed the card and dropped my credit score even further.

Synchrony harms Americans by closing open revolving cards that are not risky.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to pull my annual credit report from Experian and received the message that their server was experiencing problems and the report would not be available. The system then checked off that the experian report had been accessed ( which it had not ). I  believe the same thing occurred the last two years. This is XXXX ; they should be required to fix their problems or allow you to access the report after their computer problems are resolved.
Product: Credit card

This is in relation to a confirmed ( by Wells Fargo ) computer bug that is on Wells Fargo 's network that is in relation to their " early payday feature ''. 

On XX/XX/XXXX, I received an email from Wells Fargo confirming my " early pay day '' was in my checking account. This email also advised that these funds are available and I could start paying bills. I checked my account directly on XX/XX/XXXX and saw the " funds available '' in my checking and paid a few credit cards. 

On XX/XX/XXXX, I received another email from Wells Fargo advising that " over draft protection '' had been applied from my credit card to my checking. I looked in my accounts and saw that I no longer had my " early pay day '' funds available. Later that same day, my paycheck posted normally to my account. 

From XXXX XXXX, I have called Wells Fargo 7 times and multiple times, multiple supervisors on their end have confirmed that this overdraft transfer should NOT have happened and it was caused by a " glitch '' related to their early pay day feature. On Monday the XXXX, Tuesday the XXXX, and Thursday the XXXX, I spoke with 3 different representatives who all advised that they see the pending overdraft reversal and that I should also see it corrected on my side within that same day ( told this on three separate days ). I have not seen this corrected when I log into my accounts. I called today ( XX/XX/XXXX ) and they can not confirm a date of final resolution. Additionally, problems with the " early pay day '' feature has been an ongoing known issue for Wells Fargo since before XX/XX/XXXX and wells Fargo has taken NO action to proactively warn or communicate with clients about it, and wells Fargo has taken no action to roll back this buggy feature.
Product: Credit reporting or other personal consumer reports

I reached out to the XXXX over a month ago. I asked each XXXX to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. Experian and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX falsely stated that I had insufficient length of credit history. Experian falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX. I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined XXXX and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX XXXX and Experian and requested they cancel my order and decided to file a complaint with CFPB.
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Transunion And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXoriginal creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} information is not accurate and has not sent me any validation proof of debt Please delete this from my credit report immediately. I am a victim of identity breach and theft.

Right to privacy 15 usc 1681 governs access to consumer credit report records and promotes accuracy Fairness and the privacy of personal information assembled by credit reporting.

My information was exposed by Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXXa XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Certified Credit Rep XX/XX/XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

They won't let me In my account but someone has been able to make fraudulent charges and pick them up with their I'd and meanwhile 6 days later they continue to send excessive and unsecure request of my I'd and failing to unlock my account in a timely way letting fraudsters get away with several transactions. I have called daily 4 5 times and submitted their codes at least thought 12 layers of authorization. Plus pics of docs and still they want more.