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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX  INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEM at XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the about of {$470.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I contacted Wells Fargo regarding a cash deposit that was made before their cut off time. They did not honor their grace period, nor my same day deposit and posted my deposit the next business day. Consequently, I was charged an overdraft fee of {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the XXXX ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, TransUnion and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried multiple times to pay the full balance of {$1200.00} off with the agreement of them removing the charge off my credit report. They agreed to settle for {$800.00} but wont take it off my credit. I have lost my family, my job and multiple family members due to this pandemic which started me falling behind in my final months of my auto lease. 
My life has been ruined and they dont care. 
I have filed a dispute regarding the natural disaster. Didnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the Agency that a letter was sent to me for debt collection. I did not receive any letter at my address, while on the phone with the agency, I was told that the letter was return, which doesn't make any sense because that same agency has my address. However, I was not aware of any collection of any sort because I would probably make arrangement if not make a payment, if I was informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with Experian Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from Experian and a credit card account continues to remain.
Product: Debt collection

I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....
Product: Debt collection

Company called named Regency Capital corporation. 
XXXX XXXX called saying he has been obtained to deliver legal documents no later than XXXX on Wed, that will require my signature. He stated the county requires he deliver these documents to my residents and if I was not there they will go to my place of employment for signature. They stated I will need identification for there purposes. 

I called the company back. The company said they were not a debt collector but they still said I could pay them in order to stop the thing from escalating. I never received anything before from this company stating I owed them money. 

I asked for them to send me something in the mail that stated what I owed and why. He kept asking me for an email, and did not want to send anything in the mail. I finally got him to take my address. at which point he said he would send me a letter. 

I then asked him for his address. He asked me what I needed it for. I told him it was to send a validation letter. He said they do n't give out there address over the phone and that it would be on whatever they mailed to me. I was persistent and kept asking for it. Eventually he almost whispered it to me over the phone. 

I couple of things to note. He said they were going to sue me if I did n't pay. I believe this is threatening legal action. which I do n't believe is legal. 

They never stated they were a debt collector, yet would still take my money if I had agreed. They are also threatening to come to my work, which I hope is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : XXXX in the amount of {$42000.00} XXXX XXXX XXXX in the amount of {$22000.00} Barclays Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Credit Collection Services XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Credit Collection Services, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally address a critical issue regarding missing disclosures in relation to my account with VyStar Credit Union. After thoroughly reviewing my account and associated documents, I have determined that several required disclosures were either not provided or were incomplete at the time of my account opening and/or during certain transactions. These missing disclosures have caused significant concerns, and I believe they may constitute a violation of my rights under applicable consumer protection laws, such as the Truth in Lending Act ( TILA ) and the Fair Lending Act.

As a result of these missing disclosures, I have been unable to fully understand the terms of my account, loan, or any related financial product. This lack of transparency has caused confusion and may have led to unanticipated costs or financial burdens on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into Transunion 's online dispute service to submit a new dispute. However, when I logged in I was taken to a page that only showed my old dispute. On this page, there is a sentence, " To submit a new investigation, click on the New Investigation link above. '' But there is no link above. I attempted to call their tech support number XXXX and was disconnected after approximately four minutes. I then called the general support number XXXX and was likewise disconnected after approximately four minutes. Transunion needs to either fix their website and phone numbers so that consumers can contact them and dispute erroneous information or be shut down by the Federal Government. I never authorized Transunion to hold my personal information in perpetuity. I have no privity of contract with them, and yet they lord this information over my head and do absolutely nothing to resolve discrepancies.
Product: Credit card or prepaid card

I was barely in the country from out of country trip when the Fraud charges happened. I got a notification received on my email and text regarding a charge. I immediately called them and went online to the bank website to disable my card. I was literally still on the phone with them as I was receiving charges in real time to my card to my phone. I told them it was fraud and the charges were made without my permission, especially WHILE I am on the phone with them. I have told them, while the charges are happening in real time, that it's not me and I do have the card in my possession so it made no sense how its going through.
Product: Debt collection

This is a follow up from a previous complaint ( XXXX ) filed onXX/XX/2023. I filed a complaint against another collection company and it was closed due to fraud. The alleged debt was obviously sold to a different another debt and they are trying to collect the same debt which is a fraudulent account. Please see attached letter. Furthermore, IC System is not an authorized debt collector for the state of XXXX per XXXX Therefore, I demand this illegitimate debt buyer cease further communication with me immediately. I also demand the alleged debt be removed from my credit reports immediately if it has been reported to the credit reporting agencies.
Product: Debt collection

I have already sent in a letter stating midland management do not have authorization to collect in my state which is in violation of federal law. midland credit is not authorized to collect in my state georgia .I demand them to remove this collection immediately. I have filed action with XXXX and if not removed I will be seeking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on Transunion that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX XXXX XXXX XXXX attempted to pull my file. I called XXXX @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have XXXX accounts according to their records. Transunion will not dispute without 3 letters, one of which need to be from XXXX, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Product: Mortgage

I believe I am a victim of a long-term process of loan flipping by multiple mortgage lenders, including Community Loan Servicing XXXX XXXX XXXX, and maybe XXXX XXXX XXXX 

Over the past ten years, we have had trouble keeping up with our mortgage payments, and on several occasions ( including a post covid refinance ), we have neared default and foreclosure. Each time, the lender offered a modification method that featured a loan refinance. These refinances would always include a new loan with higher rates and longer terms. 

We accepted multiple modifications over the years, thinking it was our only option. Today, this leaves us with a higher outstanding principle than when we started and higher ( mostly all interest ) payments. 

We now find no progress on our principle after over ten years of making payments and a new refinance ( 40-year mortgage ) with XXXX XXXXr, where the payment is mostly interest. 

Please help.
Product: Student loan

In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


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

My account with SELF FINANCIAL/LEAD BA was never late! I have had exceptional payment history witH XXXX  XXXX 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 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.

SELF FINANCIAL/LEAD BA 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 reporting, credit repair services, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance :
Product: Credit card

I applied for credit card. 
Was able to activate credit card. 
Used credit card 4-5 times. 
Attempted to make several payments, all with no success. 
Payment bank card has funds available to cover full payment. 
No issues with payment card or bank account. 
Tried directly linking bank account routing and account number, still no success. 
Late fees continue. Credit being hit. NO PAYMENT STILL ACCEPTED. 
Tried to have someone else make a a payment on my behalf, again with no success. 
Was told by credit card company that my bank was the issue. It is not. 
Was told by credit card company that they had no legal department I could speak with. 
Was told by XXXX XXXX XXXX that they do not give out supervisors names. 
Was told by credit card company that I would not be able to access the voice recordings from our conversations. 
Still unable to make a payment. 
Still accruing late fees.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Debt collection

Halsted Financial Services, LLC will call my cell numerous times daily. When I answer they immediately hang up. When I called back is when I found out who they are. 
I spoke to a person and he wanted the balance on an old account immediately. I explained I could n't do that and he began to berate me, saying things like, you owe the debt and telling me I was a child along with other rude and insulting responses. 
When I told him not to call my cell using a robot he hung up on me.