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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$150000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXXXXXX  XXXX Balance Owed : {$38.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 
XXXX  XXXX Balance Owed : {$16000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying without success to get access to my credit report. I have called on numerous occasions but Equifax has demanded an excessive amount of documents so that I can get the report. I am sure this is designed to make it impossible to get the report I .am convinced there are errors in the report but can not find out without gaining access to the report. Any help would be appreciated.
Product: Debt collection

This Debt Collection Company, National Credit Adjusters , LLC sent me information on XX/XX/year> of a debt they claim i owe. I do not owe this debt or recognize this online debt or contract. This company does not have the correct information and they have the wrong Identity. They are in violation of state and federal compliance rules and regulations. I will not allow them to bully me with emails and letters asking me to pay them money. Please cease and desist all calls and contact with me immediately.
Product: Vehicle loan or lease

need a solution immediately ... I have tried several times to solve this problem and I have notified the Honda that solutions to this problem immediately ... the vehicle was stolen. I notified the AMERICAN HONDA FINANCE which ignored me .... you made a police report please correct this error immediately ... deleted all negative information notified by you since I was the victim of a robbery ...
Product: Checking or savings account

On XX/XX/, I deposited two IRS tax refund checks totalling {$8100.00} in my US Bank checking account. I was told by teller who took my deposit that US Bank was putting a 7-10 hold on the checks to verify them. I found out after I left when I tried to make a purchase that US Bank had placed a freeze on my account. Over the next 24 hours, from XX/XX/XXXX to XX/XX/XXXX, I was giving multiple reasons why this was done from multiple customer service reps at US Bank to the teller and branch manager at US Bank XXXX XXXX ohio branch. I was told checks were being held for verification then both checks bounced then fraud department had placed hold on my account. Finally I was told by teller who made deposit and branch manager at XXXX XXXX branch that US Bank risk department had placed hold on my account and was reviewing my account for closure. They said they didn't have reason why this was being done. On XX/XX/, I received a letter dated XX/XX/ from US BANK stating that my account was in process of being closed for 'suspected irregular activity '. I checked my online banking and a withdrawl was made on my account at XXXXXXXX XXXX for {$8100.00}. I immediately called US Bank XXXX XXXX branch and spoke to teller who took original deposit to ask who withdrew that money out of my account. She told me she didn't that information. I recorded my phone call on my cell phone with her. I asked when I would receive my balance of {$8100.00} and she stated it would be mailed out within 15 business days. It has been a total of 35 days and I have received no check or explanation of where my money is.
Product: Debt collection

A debt collector called Shermeta Law Group based out of Michigan keeps calling non stop from various phone numbers for the last week. Ive made requests for them to communicate in writing yet they keep calling.
Product: Debt collection

I received letter XX/XX/2021 from collection agency Nationwide Recovery Service XXXX XXXX XXXX XXXX, XXXX TN XXXX, ( XXXX ) XXXX ( XXXX ) XXXX requesting payment {$430.00} for services at XXXX XXXX XXXX XXXX  address not given.This is false information. I have never heard of this company and never visited them. I have visited or entered the state of Tennessee in 40 years or more. In addition to having XXXX as my provider which I provide my card for all medical services, I have military benefits as my husband XXXX with 33 years of service. It was suggested that I pay online to XXXX XXXX XXXX which I did not try or I had the option of mailing the payment. Instead I wrote back to the address requesting detailed about the charges, the company, the copy of an invoice and documention showing this agency authorized to collect in Georgia, my state. I mailed them a certified letter on XX/XX/2021. 
Today I received another letter dated XX/XX/2021 from Nationwide Recovery in a suspicious envelope not showing their name but the same po box that had been applied with a hand stamp addressed to me but the incorrect zip code printed. The letter was in response to my letter. It included a statement from XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX, Ga XXXX, Tel XXXX XXXX. The statement listing these charges on XXXXare not included on my XXXX statement. Neither have I ever visited the address XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Ga XXXX .There was a copy or list of the issuance of several state 's license permit but Georgia was not on this list. The Compliance representative signing the cover letter was XXXX XXXX. My address on the cover letter was incorrect. 
While it is frustrating receiving a letter from a collection agency since I have never received in my XXXX years of life, I feel threatened that my name and address are being used for this scam. At this point, I am reluctant to do any investigation on my own for fear that my telephone number or other info could be exposed.
Product: Credit card

I 've already filed a complaint with the Federal Trade Commission, # XXXX 0n XXXX XXXX 2016, only to find out I needed to file a complaint with you. On XXXX XXXX 2016, someone who was pretending to be me had {$33000.00} of credit card debt and {$1000.00} of finance charges transferred to my PNC XXXX credit card. No one from XXXX contacted me about this. I discovered it a few days later. To XXXX credit, they removed the bogus charges from my account. I was concerned that I may have been the victim of identity theft. Apparently, the person pretending to be me had all the necessary information. Well maybe not. I asked XXXX if I could listen to the tape of the transaction in order to verify this individual was asked for and gave the proper verification information. XXXX said I needed to file a police report, which I did. Then they told me that the Fraud Department would get back to me. I 've spoken to SEVERAL people at XXXX, all of which were no help. The last one I spoke to was XXXX XXXX XXXX. He said that the person pretending to be me had my last XXXX, address, and birth date. Whenever I have call into XXXX, they ask me XXXX questions. The XXXX mentioned and another personal question. I wanted to know if the person who pretended to be me had that information. XXXX was not able to verify this point nor would he attempt to. It 's my opinion that XXXX did not properly identify the person pretending to be me and transferred {$33000.00} in debt and {$1000.00} in finance charges. This would explain why they will not let me listen to the tape.
Product: Payday loan, title loan, or personal loan

Attorney XXXX XXXX XXXX COLLUDED with Wells FARGO to COVER-UP the " EMBEZZLEMENT '' of payment received from XXXX XXXX XXXX 


BEWARE : Read XXXX NEGATIVE UPDATE on XXXX XXXXXXXX XXXX law firm ANSWER REQUESTED : XXXX XXXX, as a prominent BOARD-CERTIFIED Consumer Protection Attorney for 39 years.. 
How many times have you sued Wells Fargo? 

If, she takes your case, it will never make it to trial ... .WHY? she told the judge boldface lies, and had my NO DEFENSE CASE dismissed I was not able to defend myself. She denied me my " DAY IN COURT '' She is not a nice person... .at all. She will kick you when you are down ( and hang-up on you ). 

My doctors ( medical records ) will prove she lied to the judge. 

XXXX XXXX, I invite you to prove me wrong XXXX XXXX, WHERE IS THE MONEY?
Product: Prepaid card

I received an American Express giftcard with XXXX dollars on it from work for the holidays. I have attempted multiple purchases with this XXXX card since receiving it in XXXX and to date only XXXX have been successfully processed, both in late XXXX. 

Furthermore, XXXX of the retailers XXXX retailers who successfully processed the XXXX  card refused the XXXX card on a later transaction. 

Despite the promise that this XXXX  card is good where ever AmEx cards are accepted, it is widely rejected and therefore unusable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraud Alert and Request for Access to Credit Report Dear TransUnion Consumer Solutions, I am writing to formally dispute the fraud alert that has been placed on my credit report and to request immediate action to resolve this matter. Recently, I applied for a bank account and was informed that TransUnion reported a fraud alert on my credit report. Upon contacting your office, I was told that this fraud alert is on my file. However, I was not informed of who initiated this fraud alert, and I did not authorize it. I am requesting that you provide me with the following : 1. The details of who placed the fraud alert on my credit report. 
2. Immediate removal of the fraud alert if it was placed in error or without my consent.

Additionally, I have been unable to access my credit report through your online portal for the past three years. Despite my repeated requests to unblock my report, I have been denied access. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to access my credit report. Please unblock my credit report immediately so I can review it for accuracy and ensure my rights as a consumer are upheld. 
Lastly, I have noticed inquiries in my credit report that I believe are the result of trafficking. These inquiries are unauthorized and should be removed. Please investigate these inquiries and provide me with a resolution. 
I am requesting a written response within 30 days of receiving this letter, as required by FCRA. Please send your response to the address listed above. Please resond only via email address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt from a Bank of America credit card was settled in XXXX by myself through a debt collection agency, XXXX XXXX XXXX ( ARS ) XXXX PA  XXXX Over the course of many months throughout XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) contacted family members of mine about this debt, but did not contact me. I received a call from them on XX/XX/XXXX that I was being served a summons for this debt. I returned their call and spoke to XXXX XXXX I informed him that the debt was settled and gave him the information for XXXX including contact information and account numbers. I emailed him the settlement letter. He let me know he would contact me back and I did not hear back. 

On XX/XX/XXXX I received another automated call from XXXX letting me know they were serving me with a summons to appear in court. I called back immediately but the office was closed. It was Friday, so I had to wait until Monday. 

On XX/XX/XXXX I called XXXX and spoke to Ms. XXXX. She let me know that they didn't receive the email. Then she checked again, said that they did have it, but because the file was in jpeg form and not pdf they couldn't open it. I resent the file in pdf format. She said she would look it over and call me back in fifteen to twenty minutes. 

In the meantime I called XXXX and spoke to a representative that confirmed the debt was settled and she said she would call XXXX directly. She called me back and said that both XXXX and Ms. XXXX hung up on her when she informed them of who she was. 

It has been an hour and I have not received a call back from XXXX nor can I get a hold of them. Their voicemail box will not accept voicemails. I have received no email response from them. I am afraid they are serving a summons to my former employer and harassing my family. I am having XXXX XXXX  as this is incredibly stressful and embarrassing and hurting my career and reputation.
Product: Debt collection

On Saturday, XX/XX/2022, I received a letter in the mail from Continental Service Group , Inc. ( ConServe ), a debt-collection contractor for the IRS, stating that my account has been placed for collection with them. I don't know why I received this letter. I've paid my taxes in full. Lastly, the letter that I received has a " Tax Period '' that states " XXXX ''. I'm not exactly sure what that means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is inaccurately showing that my account was 30 days past due. I made a payment within the 30 day window.
Product: Credit reporting or other personal consumer reports

failure to follow the law.. Stare Decisis case law and refusal to properly respond with evidence and a statement as stated below COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my Synchrony Bank - Carecredit account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with XXXX  about my Synchrony Bank credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

XXXX  was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability. 

XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

I made a purchase on Victoria 's Secret credit card back between XXXX XXXX. I returned the item which should have taken the charge off of my account and brought the balance to {$0.00}. Instead I started receiving calls that I owe {$25.00}. I explained that I returned the item and stopped receiving calls for a while. Then I started receiving repeated calls and texts to my cell phone from condemnity bank several times a day, repeatedly. Finally my attorney sent a letter asking for the calls and texts to stop. They stopped for a little while but shortly started again. They call back to back from cell phone to house phone. They send several letter in a loud pink envelope saying I owe over {$100.00}. A large increase from the {$25.00} dollars that they wrongfully accused me of previously. 

I also received several different threatening voicemails. They often call from anonymous or unknown numbers. ( See attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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.