23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I received a call from a representative of Transworld. The person said they were collecting a debt on behalf of XXXX XXXX. I attempted to explain to them that XXXX had already been paid by XXXX. Instead of listening to me the person became extremely aggressive, combative and disrespectful. They threatened me with further collection action and said this was my debt. I do not owe Transworld systems any money. In fact, I find it ironic they are trying to shake me down for {$260.00} when XXXX allows approximately {$18.00} for this test. XXXX XXXX has already been paid and Transworld has insisted upon harrasing me and having their employees contact me to be disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complain about statute of limitation.

XXXX I Submitted a complaints to the Consumer Financial Protection Bureau on XX/XX/XXXX WELLS FARGO CARD SERVICE and XXXX   Credit report XX/XX/XXXX and WELLS FARGO CARD SERVICE have last payment as XX/XX/XXXX WELLS FARGO CARD SERVICE Balance : {$160.00} From XX/XX/XXXX to XX/XX/XXXX is five years. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible WELLS FARGO bank is trying to collect a debt which the statue of limitations in Florida have expired.

XXXX on XX/XX/XXXX verified as accurate and undated.

How can they Wells Fargo balance when it been over 5 years?

XXXX on XX/XX/XXXX credit report also show balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, XXXX, and XXXX. I explained them that I was not the one to open these accounts. I sent a letter regarding these accounts ( Capital One # XXXX and another Capital One # XXXX ), which both was Charged-Off my credit report. Both accounts were opened in the same year : ( XX/XX/XXXX, and XX/XX/XXXX ). Then they were XXXX my account based on settlement I presumed on three different dates. Capital One of one account was charged off on XXXX XXXX, XXXX XX/XX/XXXX and get this XXXX in good XXXX XX/XX/XXXX. All on this account were charged off. The 2nd Capital account dates were : Transunion- XX/XX/XXXX, XXXX XXXX, and XXXX reporting in good standing XX/XX/XXXX. The 1st account was Charged-off {$3100.00} and the 2nd Capital One was charged-off for {$3600.00}. 

I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when I went to file my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The Capital One accounts are two of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill, and the IRS Identity Theft Form for the government. This has been very upsetting and difficult to handle while trying to live as an upright citizen. Thank you for your time and energy to resolve this matter.
Product: Mortgage

We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.
Product: Debt collection

On two different occasions I sent letters to XXXX about my inquiries. I have not received a response from XXXX. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..
Product: Credit card or prepaid card

I kept trying to make a payment, and their system wasnt working, and denying me access to do my payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX   report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX   dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.
Product: Debt collection

I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of an unauthorized inquiry listed on my credit report. I am a victim of a recent data breach, and this inquiry was made without my consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this inquiry be permanently removed. 
The inquiry in question is as follows : XXXX XX/XX/scrub> XXXX XXXX XXXX
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. 

Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute This is a violation of my rights.
Product: Student loan

My student loans with Sallie Mae have 2 fixed interest rates at 11.750 % and one variable rate that has now reached 14.875 %. I am currently in school trying to avoid the $ XXXX monthly repayment because I can not afford it.
Product: Checking or savings account

on XX/XX/XXXX credit karma allowed a hacker access to my account and all access to my personal information. i was waiting months and months for my tax return that was already delayed. i believe the tax return was was deposited XX/XX/XXXX and the hackers were able to switch all of my information the morning of XX/XX/XXXX which was my email address and phone number without me knowing at all. as soon as i saw the fraudulent charge for the amount of {$2400.00} to a merchant OUT OF THE COUNTRY all the way in XXXX!. even after i notified my bank to put a block on my account XXXX XXXX. later they were able to steal the rest of the money which was XXXX $ now the account is negative XXXX XXXX every time i call credit karma is not helpful at all and just tells me to moniter emails. the worst of it all i am not the only one this has happend to! there are multiple people who uses the same bank and has also had the information fruadulently stolen and misused please i am begging can you guys please help me get my funds back that was all i had.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit card

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Bank of America XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Self Financial has been committing violations against me and my consumer report without sending me a statement 21 days prior to communicating with any third parties about my consumer report.
Product: Debt collection

i have documents and current papers from from zwicker & associates p.c.sending me court papers via mail, and having someone coming to my residence to drop off papers that doesn't look like official court papers with court dates stating Thay are Sueing me over alleged debt/and Sueing me on behalf of XXXX XXXX for the amount of XXXX ..i have sent them a certified dispute letter on XX/XX/2024 over this issue stateing thay are violating my right but Thay still harasses me over this alleged debt. 

NOTE : i will gladly send any information thru what ever means to assist and help
Product: Mortgage

Bank of America still has not sent 1099 as of XX/XX/2021, even though they were required by law to send this statement as of XX/XX/2021. I have called them many times, and they say go to the website. I can not use the website since the account is paid off and I have no internet access anymore since the account is closed. 
I have had trouble with Bank of America not answering my questions for over 15 years, and this is not the first time they have been non-responsive. In the past I had two mortgages and asked them why the PMI on one mortgage when down every month whereas the other one never changed. They were never able to answer the question. When I paid off the last mortgage XX/XX/2021, they were unable to realize the mortgage was paid off until two weeks later, so I had to pay an extra month 's interest
Product: Credit card or prepaid card

Used Capital One credit card to purchase XXXX XXXX flight from XXXX. Flight canceled by airline ( Covid-19 ). Flight credit from airline for later transportation unusable by me. And XXXX unreachable via phone after repeated attempts. My claim for reimbursement declined by Capital One, after reaching out to them by letter twice. So I want a fully refund for the flight I purchased, but never received through no fault on my own. 

Credit card charged {$940.00} on XX/XX/2020 for XXXX XXXX XXXX XXXX booking XXXX XXXX  ), purchased from XXXX XXXX Itinerary # XXXX ).
Product: Debt collection

AVANTE is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I utilized services at the University of Maryland XXXX XXXX XX/XX/XXXX, and promptly paid all fees as I received them. 
In XX/XX/XXXX, I was shocked to suddenly find a collection notice on my credit report from American Collections Enterprise , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. This notice was for an amount of {$200.00}, for which I have never received any notification from the University of XXXX XXXX XXXX stating that I was owing them. 

I reached out to American Collections Enterprise , Inc. via a letter dated XX/XX/XXXX, requesting validation of the debt, I got an inadequate response from them via a letter dated XX/XX/XXXX stating that the University of Maryland Faculty Physicians had provided information to clarify my indebtedness. 

As there was no viable evidence showing that this debt is being reported accurately, I wrote a second letter to the debt collection agency asking for this evidence. I am yet to get a response from them to my second letter. In the mean time even though they have reported it as disputed to the credit bureaus, I still have this derogatory collection listed on my credit report and affecting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX