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

Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX, Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit card

I am disputing the collection account with XXXX OF XXXX account number XXXX dated XX/XX/year>, with a balance of $ XXXX account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX OF XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

UNITED REVENUE CORP placed a collection debt on my credit report that do not belong to me the original creditor is XXXX XXXX XXXX. I have tried to explain to United Revenue Corp that I do not owe a debt to any medical facility. I advised that I have been a victim of identity theft. Also advised the collection company me and my daughter name are similar and we have the same birthdate and there are sometimes a miss up in our information but the collection company refuse to correct this matter.
Product: Mortgage

I received a bill from Ditech for my XXXX Mortgage payment with a due date of XX/XX/2019. I am very careful to pay on time. I paid the mortgage bill amount on XX/XX/2019. Ditech cashed the check and took the money. 
Today, on XX/XX/2019, I received a bill from XXXX. Apparently Ditech sold my mortgage to XXXX. The XXXX bill has a XX/XX/2019 due date. It also does not show the application of my XXXX payment to the balance. In other words Ditech took the money and did not apply it to my loan. 
I have tried emailing and calling Ditech but they do not respond. I tried to log-in to the website, but since my loan is no longer serviced by them I can not log in. 
You help is appreciated,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/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

I am a victim of an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open account with the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The account in question was opened, and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open account and request corrections. 

Follow-up communication was initiated to inquire about the status of the correction process. 

Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. 

Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. 

Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open account and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assistance tothe account in my credit file : XXXX XXXX XXXX Balance Owed : {$270000.00}.
Product: Credit card or prepaid card

There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are one company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.
Product: Credit card or prepaid card

I am an American Exlress Centurion Card holder, their highest level card. I have been an Amex member for 30 years. For some reason Amex has frozen my membership rewards account, which contains over 275,000 points. This occurred on XX/XX/2018. I have spoken to numerous supervisors and no one can explain why this account was frozen it when it will be resolved. It is the most ridiculous process I have experienced. We have lost the ability to buy a ticket for our XXXX trip next summer. I am considering canceling all my Amex cards and have let them know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely reported to Experian that they were a line of credit when they are not and did not issue me any line of credit. They falsely reported to Experian only, that they issued me a XXXX line of credit in which Experian falsely knew XXXX was not a line of credit, but just a checking account will a bill booster, and still XXXX knowingly posted the false information as a line of credit and added it to my existing credit balance and thereby denied me my proper utilization score by adding {$5300.00} falsely to my credit utilization score, falsely, by posting a falsely reported line of credit, as a line of credit, when XXXX is not a line of credit and is not a known Issuer of lines of credit. I contacted XXXX and they never responded back. I contacted Experian and they never responded back either.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair XXXX XXXX act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Credit reporting or other personal consumer reports

I have informed the credit bureaus and XXXXXXXX XXXX that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXXXXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reduced my credit score by XXXX points and its totally capricious. They cant be allowed to strong arm you like this -/im An excellent customer. Whats going on?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Balance : {$900.00} Collection Inquiry in Dispute : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Docket # : XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my credit report that I have no knowledge of its Reporting as a charge off with a balance as well this is hindering my credit profile and effecting my credit worthiness
Product: Vehicle loan or lease

As recently as XX/XX/2020 the joint lease account on my credit report reflected closed, paid in full/obligation met. 

On XX/XX/XXXX both my and my co signer 's credit files were hit with over 165 days past due. 

I have already had to dispute this account and asked numerous times for an updated bill upon which I could pay. 

XX/XX/XXXX I called the collection department and explained I never received an updated bill and was told I would not receive one. 

I mentioned my credit report from XX/XX/XXXX reflected a closed and paid account with GM Financial and they said that on their end they did not report that to be true. GM Financial 's billing practices are abusive, unlawful and the oversight has caused me and my cosigner a lot of negative financial consequences. 

Near the end of the conversation I was finally told that I could be sent a payoff letter with the updated amount due. 

This is what I had been asking for from the very beginning when trying to resolve the incorrect end of lease statement received in XXXX.
Product: Student loan

Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( XXXX ). XXXX  also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back on XX/XX/22 to notify them again. The agency was not familiar with the publication and tried to insist that I did not qualify for discharge. I had to insist and request that they confirm that I had federal student loans. They reluctantly did so. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Erroneous Late Payments XXXX XXXX XXXX Loan To Whom It May Concern, I am writing to formally dispute the late payment reporting for a XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX. I am listed as the cosigner on this loan, but the primary borrower is my daughter. The reported late payments for XXXX, XXXX, and XX/XX/XXXX are erroneous, as the account should have been in deferment during this period due to my daughters enrollment in college. 

Timeline of Events XX/XX/XXXX : A XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX was issued with an original amount of {$7000.00}. 
The loan was signed by the primary borrower, my daughter, with me listed as the cosigner. 

XX/XX/XXXX- XX/XX/XXXX : Late payments were reported by XXXX XXXX despite the primary borrower, my daughter, being enrolled in college during this time. 
My daughter contacted XXXX XXXX to provide proof of her enrollment and requested that the account be placed into deferment. 

XX/XX/XXXX : Payments were officially deferred, and no further late payments were reported. 

XX/XX/XXXX The loan account was transferred to XXXX XXXX. 

XXXX : Late payment entries for XXXX, XXXX, and XX/XX/XXXX remain on my credit reports, causing a significant drop in XXXX XXXX. 

Summary of Deferment Errors The primary borrower was a college student during the period of XXXX XXXX, qualifying the loan for deferment under XXXX XXXX XXXX XXXX 
Despite providing documentation to XXXX XXXX verifying her enrollment, the loan was not placed into deferment in a timely manner, and late payments were erroneously reported. 
These late payment entries contradict the loans subsequent deferment status starting in XX/XX/XXXX and should be corrected retroactively. 

I appreciate your attention to this matter and look forward to your prompt resolution. If this issue is not corrected within 30 days, I will consider escalating the matter further, including legal remedies if necessary. 

Sincerely, XXXX
Product: Checking or savings account

Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. 
The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 
'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX  in XXXX and the funds were available the next business day.
Product: Student loan

I have been paying on my loans for the last decade and my balance has not gone down.