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

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Comenity Bank offers the XXXX XXXX credit card. When in store, the sales associate stated that there is an 18-month interest free promotion. This is what prompted me to sign up. No paperwork was given to me and there was no record of me having " chosen '' this promotion because I was never informed that there was a choice. 
Over two months, I have been charged interest. When I called several times, ( assuming on recorded lines ) I received the following conflicting information from customer care representatives : ( a ) promotion is either 10 % rewards OR 18 months no interest ( b ) promotion should be BOTH 10 % rewards AND 18 months no interest ( c ) you are not eligible for the promotion. 
I wish to pay my account in full - less the interest charged - and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX  XXXX XXXX MasterCard Credit Card Account : XXXX listed on my Equifax and XXXX credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX MasterCard Account.
Product: Debt collection

Dear [ Collection AQUA Finance, You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. 
( Account Number : XXXX, Account Type : Sales Contract ) As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with verification of this debt. Send me validation at once. 
From the date you receive this letter, cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you.

In your validation response, provide me with the following : A description of what the money you are alleging I owe you is for. 
A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 
An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document. 
Proof that the statute of limitations on this account has not expired. 
Include your license number ( all of them ), and your registered agents information. 
Additionally, please provide the following items : The original purchase agreement related to these accounts. 
The chain of assignment documenting the transfer of these accounts from the original creditor to the current creditor. 
The bill of sale detailing the sale or transfer of these accounts. 
Validation of the debt, including any supporting documentation that verifies the accuracy and legitimacy of these accounts. 
Immediately cease reporting of this account during this validation period in accordance with the law, and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company. If you do not have validation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information, you are in violation of section 807 ( 5 ) of the FDCPA and FCRA rule 611 ( a ) and subject to a fine of {$1000.00} per violation which I intend to pursue if necessary.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 604 ( a ) ( 2 ) which states I have the right to privacy. Furthermore, under 15 USCS 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.

Furthermore, re-aging debt by changing the date of first delinquency violates the Fair Credit Reporting Act ( FCRA ) and is considered deceptive practices under the Fair Debt Collection Practices Act.

If you do not have the requested validation documentation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit ( My first and last name was removed from here for privacy ) XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, 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 Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/2022
Product: Student loan

I have already filed a complaint against this company ( XXXX ) but called again today after getting a secure message back ( after a XXXX month wait ) to be told that they still do not have an update on when they will process my PSLF forms. They state there is nothing that they can do, that they had over 2 million loans " dumped '' on them and they are doing the best they can but are understaffed and unable to do anything for me. They are rude and can not provide any information as to the status or estate time, I was told I would be transferred to a supervisor but was dumped into a survey and then disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a message from a credit monitoring company that my data was breached, including my name, social security number and driver 's license, and noticed recently that someone has either opened or tried to open accounts at two or three institutions including, but not limited to XXXX XXXX, XXXX  XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 12345 has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I been trying to contact Experian for months now about the incorrect social security number being on my account they have my sister social security on my account instead of mines I been trying contact them to fix this issue I cant not see my credit score because of this I need this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion   XXXX   XXXX   XXXX    XXXX , CA   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , TX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #   XXXX   DOB XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
  XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Product: Credit card

For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late. 

Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore. 

I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error. 

They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX  my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over. 

I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs. 

I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few. 

Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and XXXX must stop reporting and selling these closed/paid accounts to XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wife XXXX XXXX received an alert that our Frost banking was placed on hold because of unauthorized use while we were out of town. We returned on Thursday XXXX/24 and was explained to us regarding 2 small and 1 larger withdrawal from our checking. I informed them that I made 1 small {$100.00} debit but then within a short time 2 more were made without our knowledge via XXXX application & bypassed the banks fraud without contacting us. We asked the bank how could the theft happen with our 2 factor authentication we established on the account. They informed us they were informing the security fraud dept. the same day and would get back with us.
Product: Mortgage

I was 1 month behind on my mortgage due to death in family, Wells Fargo asked if we would be interested in a loan modification, this would lower our monthly payment. They made us pay XXXX for the modification. which has no fee. While in the modification they then came to our home with foreclosure papers, we spent over XXXX to keep our house. I had to drain my XXXX and was hit with major penalties. They refuse to help me put me on hold and never return, it is a nightmare. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Checking or savings account

usbankfocus will not allow me to activate my card and locked my account. they say my card was not registered by my employer but i checked my companies website and my information is there.
Product: Debt collection

XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Experian has FAILED on NUMEROUS occasions to accurately update my consumer report. I have also submitted multiple complaints to them on the following INACCURATE accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is required by law to investigate everything that is added to my consumer report. Experian also keeps failing to mention what methods were used to investigate to items furnished on my account. The false and negative items posted above, that Experian continues to furnish to my Consumer report are causing SEVERE FINANCIAL DAMAGE and SEVERE MENTAL HARDSHIP to MY LIFE.
Product: Debt collection

Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.
Product: Credit reporting or other personal consumer reports

I requested a 1099C form from XXXX  XXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau Equifax I noticed that the XXXXXXXX  XXXX account number and the account number written on the 1099C form are different. The account number that is on the 1099C form ends in XXXX and the account that is reflecting on my consumer report is XXXX. An investigation was opened with XXXX and as a result they confirmed the account is invalid without the proper 1099C form for the said account. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFBP ) the document needed a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt
Bondage and would like for all listed accounts to be blocked and deleted company TranUnion. Please delete following accounts. XXXX XXXX balance {$1700.00}, XXXX XXXX XXXX {$3100.00}, XXXX XXXX  balance {$1600.00}, XXXX XXXX balance {$1200.00} and XXXX XXXX XXXX balance {$730.00}
Product: Student loan

I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to notate account in dispute way over 35 days
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX  please see attached