23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company claims to have purchased a debt in my name for something I have no knowledge of. When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt. They keep calling me ( XXXX times yesterday and XXXX  times today alone and it's not even noon yet ) and my family members, threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything, telling me their getting the attorney general and local authorities involved if I do not agree to pay.I am a XXXX Veteran with XXXX, my credit has been compromised XXXX  times last year XXXX and XXXX  the previous year XXXX.I 've asked them to desist in calling me and to no avail. They have harassed my family members including my XXXX year old mother myself and my wife, my x wife, my daughter with jail time if they don't comply with their hideous and outrageous demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Invalid Information Reporting to Credit Bureaus
Product: Credit card or prepaid card

Sent documents to Nordstrom requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from Nordstrom.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter via USPS to XXXX in regards to the bankruptcy listed on my XXXX report. In response I received a letter back on XX/XX/2021 stating that XXXX verified the " alleged '' bankruptcies through LCI. However on LCI website, they explicitly state " LCI DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if LCI is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? LCI claims they get information from PACER, but PACER doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. XXXX in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.
Product: Credit card

I have a credit card with Chase and that account currently has 2 " promotional rates '' applied to my balance, one is 18.49 % and the other is 1.99 %. I've been making an effort to get the higher interest rate balance lowered, so I recently made a large payment in addition to my minimum payment amount and the company applied {$680.00} to my lower interest balance that month when my minimum payment for that month was only {$370.00}. When I called to find out why, they said that because it was done in two payments ( my minimum payment autopay on XX/XX/year> + an additional one time manual payment of {$6500.00} on XX/XX/year> ) they can apply the minimum payment amount to my lower interest rate for each payment. This is not my understanding of how the CARD Act works, although I'm not a lawyer. 

The case # with Chase is XXXX. 

I would be willing to provide my credit card statements, but it is unclear if attaching them below is secure and my full account number and other sensitive information is on the statements. However, I will happily provide them if you wish to provide a secure way to do so.
Product: Credit card

I WOULD LIKE TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS WITH NO QUESTIONS ASK IF YOU COULD HELP ME TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS, MORGAGES I WILL APPRECIATE.
Product: Debt collection

CREDIT REPORTING AGENCY : XXXX is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. Plus whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ; according to the FCRA. XXXX did not met simple points of XXXX XXXX compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. XXXX failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( b ) - Accuracy of report. Please remove the following accounts- if youre not able to prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

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 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, 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 as 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 TransUnion, XXXX, 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 XXXX, Transunion, and XXXX XXXX 

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 Transunion, XXXX XXXX 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 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

I am XXXX I have XXXX and live on a fixed income. I have people that care about me. Call nine-one-one when XXXX they care. It 's not my fault that I go into the hospital for days sometimes weeks. That 's part of my illness and I 'm living with that I should not be billed for being sick. That 's the job of XXXX who is my insurance company that needs to pay whatever is left. I 've had XXXX since I was XXXX I am now XXXX years old. There are some days out of the month where I do n't eat because I do n't have enough money to eat because I have so many bills that I have to pay. Everything on this report is XXXX I do n't have XXXX outstanding bill from any credit card company at all. Everything on my report is due to my medical condition. They are all collections from Medical collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, Equixfax, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Product: Debt collection

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$91.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX not able to access my credit report
Product: Student loan

I make regular additional monthly payments of {$100.00} a month to Firstmark Services ( a division of Nelnet and a loan servicer of XXXX XXXX ) to pay down my student loan ( this is in addition to the minimum payment of {$50.00} per month which XXXX automatically debits from my account ). After cashing my additional payment checks for years, XXXX failed to cash the additional payment checks for XX/XX/2019 and XX/XX/2019. XXXX was very unhelpful - basically my only recourse is to pay my bank to cancel the checks ( at a cost of {$29.00} per check ) and then reissue the checks. I am very unhappy about this. XXXX can give no reason why they stopped cashing the checks. The address to which the checks were sent is the same, and the checks are sent based on an automatic payment system with my bank, XXXX, which also remains the same. This feels like another way to gouge student loan payers by forcing us to pay for XXXX mistakes. XXXX refused to pay the extra interest that has accrued based on their not cashing the checks, nor did they offer to help in any way. When asked XXXX also would not give me the federal agency that regulates them so that I could lodge a complaint - they tried to send me to the XXXX XXXX XXXX.
Product: Credit card or prepaid card

I called to speak with someone to see if there was an error on my statement.I was told that their deferred billing was different and the interest on their card generates on the balance you initially borrowed not the current balance. I, m hurt and felt like I was deceived, my balance was {$1700.00} and the interest is {$1600.00}. I, m not sure if there will also be additional interest each month. I have had a problem with this bank before, that went into my bank account and withdrew some money as if I made a payment and that was never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found what looks like an incorrect account that isnt mine.
Product: Checking or savings account

I have open an account with fintech company called " Current ''. this company advertise to give 4 % interest on product called " savings pod '' on $ XXXX dollars in account. Company expected to credit interest every day. 

Based on this information i deposited $ XXXX. I was expecting to receive the interest payment of around {$.00} on XXXX but received only {$.00}. 

When i contacted the customer care they could not point me to the resource which can explain the difference between expected and actual interest amount credit to my account. 

My suspicion is that company is not clear with account terms and attracting customers with wrong information. I have screenshot of the chat with customer care which i can share to show that company employees could not point to the resource or reason why there is the difference. 

Here is the link about company in XXXX : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is 180313651. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed a suspicious inquiry from American Express dated XXXX XXXX, 2023. This is a violation of 15 USC 1681 which constitutes fraudulent activity and also a breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for this inquiry. This is needed to validate the inquiry. I did not authorize any employee by this company to make any inquiry and view my credit report. I do not have an open account on my report with them as well. Finally, I demand a wet ink production of my signature authorizing the inquiry. If you are unable to provide me this information in 3-7 business days, I demand you DELETE THIS DEROGATORY and unauthorized inquiry from my consumer report in which I gave you no wet ink written consent to furnish.
Product: Mortgage

This complaint is the result of an ongoing issue with the servicer of my mortgage. After making several requests for a QWR in an attempt to get the name and contact information for the holder of the note, SN Servicing Corporation refuses to provide the information. They are in direct violation of federal law for refusing to disclose the name and contact information of the company who holds my note. They have also refused to provide the contact information for the note holders legal representation, attorney XXXX XXXX. XXXX XXXX, in his response to my previous complaint, also did not leave any contact information for either himself or the holder of the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine. 
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.
Product: Debt collection

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX XXXX  customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Product: Credit card

On XX/XX/24 I went to XXXX XXXX  and received one session of service. I subsequently had to cancel and noticed they had charged for multiple sessions, under my XXXX XXXX  account. I asked that they refund me, as I had no intention of returning and that they should not have charged me, until I used their services. They agreed to provide a refund but insisted I needed to return to their establishment to do so? I told them that this was not necessary. As per their own web site, the pricing structure is per session. As per copies of text messages they agreed to refund me and have not done so. The bank, Synchrony refused to resolve the dispute. I should not have to pay thousands of dollars for something I did not get.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : TransUnion reports a {$0.00} balance, while XXXX and XXXX report a {$1XXXX balance. 
Inconsistent Date of Last Payment : No date provided by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.