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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft.

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : 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 accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/year>, I received an alert from XXXX that shows a major derogatory collection from Sunrise Credit on my credit profile.This is a request for comprehensive documentation of an authenticated assignment of secured interest in the agreement. If you have been assigned the legal right, title and interest, I am claiming the equitable title and any equitable interest in the certificate of indebtedness that was originally created to offset any past, current or future obligations. If you have not been assigned the legal right, title, and interest, then I require comprehensive legal documentation of your chose in action. I am also aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, Sunrise Credit must remove all reporting of the account on my credit profile and cease all collection activity.
Product: Checking or savings account

On Saturday XXXX I initiated an international wire from my BBVA account for {$2000.00}. On Monday I received an e-mail saying " For the security of you and your account, further due diligence must be completed prior to processing this payment. We have attempted to contact you by phone ending in * [ XXXX ] but were unsuccessful. '' This e-mail came BEFORE the call as I was accessible to my phone and computer all day. 

I proceed to call BBVA as indicated " Please call BBVA XXXX XXXX XXXX at XXXX XXXX XXXX or XXXX XXXX XXXX ( XXXXXXXX XXXX to XXXXXXXX XXXX CST Monday- Friday ) within the next 3 business days in order to release these funds. '' I was on the phone on hold for over an hour. Then, I e-mailed them. Nobody answered. 

Nobody answered Tuesday. 
Nobody answered Wednesday. 

The funds are still on hold and obivously there is nobody working in this " Fraud Department ''. However, my FUNDS ARE STILL UNAVAILABLE TO ME and the transaction is recorded in my account as transaction activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX Account # 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 a 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.
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 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: Payday loan, title loan, or personal loan

I started to realize that my principle wasnt coming down on the original loan. After discussing with an agent i was informed that i had only been paying the interest on the loan and it was accuring at {$8.00} a day which further made me realize that I will never beable to pay off the loan at this rate. They werent willing to adjust the interest accurring..
Product: Debt collection

I am in receipt of the update I was sent. The problem is that I do n't have my first delinquency date. What is that?? Your claiming that I was defaulted but when? What physically was it? 

Your claiming that the account was delinquent in XXXX of XXXX but from what I was told originally was something different. I was told it was XXXX XXXX - I called so many times and each time I am told a different matter. I need this account gone like yesterday! 

I ca n't have this account report longer since your company is making frivolous actions against my report. 

a response is needed with a deletion of the account
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION AND NOT MINES. 

EXPERIAN : XXXX  : ACCOUNT NUMBER XXXX EXPERIAN : XXXX : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.
Product: Credit card or prepaid card

This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover  Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for  emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.
Product: Debt collection

Chase bank sold a XXXX ish credit card collection to A collection company / attorney XXXX XXXX XXXX after placing a lien on my homesteaded property in XXXX. Just recently now XXXX almost 18 years later Attorney has garnished my bank accountants XXXX with my only source to pay my bills/ mortgage with contains my Social Security XXXX checks every month.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Been trying for XXXX weeks to close my Account at USAA and have been getting the run around. Been on phone for over XXXX hours twice. been passed around to XXXX different people. They will not close it no matter what i do. they say they contact you but yet you can not get thru to any one. this card has a high limit on it and do not want to be responsible for any charges. USAA is very dishonest. I want this account closed but they will not. Any help would be Appreciated.
Product: Debt collection

I 've attempted to send Central Credit Services ( centcreditserv ) the identity theft affidavit but their address is wrong on my credit report. I 've attached all supporting documents showing the return mail via certified usps tracking. Please help.. this is so stressful and I do n't see how collection agencies can just get away with this. 

Thank you
Product: Credit reporting or other personal consumer reports

For several years I have tried to resolve the issue of attempting to sign in to my Equifax account and being met with " We are temporarily unable to complete this request ''. I have requested several times over the phone for help fixing this and have always been transferred around and to supervisors ultimately resulting in nothing getting fixed. They have told me they would email me several times with information to get it fixed and never have received anything. This is apparently a common issue with Equifax with tons of people trying to fix the same issue online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation my information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX, DELETE any and all other phone numbers. 

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Debt collection

Ocwen loan servicors is trying to collect a debt they do not have the legal standing to collect from me. Ocwen has asserted themselves on my homeowners policy as my mortgagee, they do not have any documents to support this claim. At best they are a default dect collector which I have no legal obligation to pay any money too. They have not been able to validate the debt according to the law. 
They acquired the suppose debt when it was in default therefore they could never be a true correct or legal mortgagee. The remedy I seek is for them to remove themselves as mortgagee from my XXXX XXXX casualty insurance policy so I can have a check issued to me without them as a cosigner. 
I do not believe that I Ocwen has the legal standing to ask me to pay them anything as all the documents they have sent me do not have their name as the original creditor on them. They have sent time and time again documents that do not contain their company 's name as a creditor. Therefore I believe that they 're standing is illegal and they need to stop interfering.
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: Debt collection

Trans union continues to falsely report information that they claim to have verified on complaint XXXX I have made several requests via certified mail and in writing and they have not provided me with any information. They sent me a letter dated, XX/XX/year> saying only that they verified their information but did not provide any documents. I have told the below XXXX items, is not my debt and requested the following. 

XXXX. XXXX XXXX and XXXX- not my debt. 
XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX- not my case XXXX. XXXX XXXX XXXX I have asked Trans union to provide me with proof of the debt 1. signed contract 2. copy of my picture ID with said contract.

3. Itemized bill, paperwork, 4. who they verified this debt with 5. The persons name and phone number XXXX. Provide the date and time the person verified this information. 

Trans Union is maliciously saying that this information is verified but they have not provided any documentation to me as I have requested many times. They must to provide this information immediately, they have been saying the same thing since last year and have not provided any documents. They are causing me severe emotional distress.
Product: Credit reporting or other personal consumer reports

I am submitting this request to formally dispute several negative items that appear on my credit report. After reviewing my report, I believe that these items are inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the following disputed items and delete any negative information that can not be verified or are found to be erroneous. 
Please find attached copies of documents that support my claims. I kindly request that you review the evidence provided and take the necessary steps to correct my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00}, XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Checking or savings account

I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX  ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.
Product: Debt collection

Portfolio have been trying to collect an alleged debt in the amount of {$21000.00} and {$22000.00} that is not mine since XX/XX/2018. They attempted to sue me and lost the lawsuit for Lack of proper documentation in a form a signed credit card agreement. This is fraud which they are well aware of hence they continued to move forward with the lawsuit.They have been reporting this alleged debt on my credit report since XX/XX/2018 therefore damaging my credit worthiness.
Product: Debt collection

XXXX XXXX XXXX called me XXXX XXXX to say I owed {$1000.00} To USAA -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is XXXX. But I was not sure what I owed USAA since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and six XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX guage by my dog that XXXX  my XXXX   and XXXX my right XXXX and cracked XXXX XXXX  leaving an ounce of XXXX XXXXXXXX in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call USAA to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called USAA several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe USAA can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if XXXX is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. USAA has up to now refused to tell me anything even with all the proof I have given. USAA phone number is XXXX.