23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite my previous attempts to address this matter, I am disappointed by the lack of progress and attention given to my concerns. 
Account XXXX : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have thoroughly reviewed my credit report and identified several instances of reported late payments that are factually inaccurate. I dispute the accuracy of these late payments, as I have consistently made timely payments to the aforementioned creditor during the periods in question. 
I have previously submitted disputes regarding these inaccuracies, yet no progress has been made in correcting this issue. Moreover, the lack of communication and transparency in the investigation process is concerning. I have not received any updates or information regarding the status of my disputes, and it appears that the investigation has not been conducted thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. Account Name : XXXX XXXX XXXXXXXX # 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 writter 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

So in the account THE GOLDMAN SACHS GROUP LLC, under my social security is a phone number that's not mine and a email address that is not mines and at an address where I don't reside.
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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  XXXX Balance XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 reporting or other personal consumer reports

Despite numerous efforts, I have been unsuccessful in resolving the issue of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in considerable mental anguish and financial hardship. As an identity theft victim, I am left with no choice but to consider legal recourse if this matter is not adequately addressed. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs. The impact on my financial stability has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ), which details this issue and requests resolution.
Product: Debt collection

It has come to my attention that the documentation provided by National Credit Systems is a Lease Addendum from XXXX  PER XXXX XXXX XXXX REQUIREMENTS, a lease renewal addendum is required every year. 

Please provide Lease Addendums from XXXX and XXXX for XXXX XXXXXXXX XXXX 

To verify said debt, please provide XXXX XXXX lease renewal addendum for the year of XXXX for XXXX XXXX XXXX XXXX 

If National Credit Systems and XXXX XXXX XXXX can not provide documentation of a Lease Renewal Addendum for year XXXX, these companies will be accusing XXXX XXXX of being a squatter. 

If the lease renewal addendum for year XXXX can not be provided, this debt will be deemed unverified and void. 

Please note that if the Lease Renewal addendum for year XXXX can not be provided that both XXXX XXXXXXXX XXXX and NATIONAL CREDIT SYSTEMS will be open to litigation on the bases of DEFAMATION, FRAUD AND OTHER DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time Ive had to deal with Checkr having incorrect information on my background report. I have filed many complaints to them and they do not investigate the inaccuracies. This has resulted in my inability to work for several months. I can not get anything other than form responses back. They are way past the 30 day requirement to work on this. 

They claim to be waiting in county records. The counties claimed, Ive never even been to the States they are in. It is clear they have collated someone elses records with mine, but refuse to investigate my complaint. So I took it upon myself to contact those counties and both reported Checkr was lying to me. Both reported there are no records whatsoever and they havent received a request for records on me. 

In review online of other complaints against the company, it appears they do an investigation when a complaint of inaccurate information is filed. Based on my research, Ive found that I am the sole example of them refusing to conduct an investigation as required by law. The only difference between me and others they are conducting checks on is that I am XXXX. It is the single difference I can find. At this point, the second time this has happened, I believe the company or employees are discriminating against me do to my XXXX. I have no criminal record. Its been approximately 60-90 days this process has been ongoing, with no attempt by Checkr to do as they are required by law.
Product: Debt collection

XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my disability USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE 93 POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a formal request to XXXX, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, XXXX, and Transunion are still reporting inaccurate, misleading, and outdated information for this account on my credit file.
Product: Debt collection

NCA at XXXX XXXX XXXX, XXXX Washington , DC XXXX has been sending me collection notices in the amount of $ XXXXthe collection has been reported as past due balance. 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: Debt collection

I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or Paypal I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

BJ 's Credit Card from Comenity Bank. My mother passed away in XXXX of 2022 and I have been trying to close her BJ 's Credit Card with Comenity bank since then. I have talked to them 7 times, I have sent in her death certificate but they still continue to send me bills that contain late fees. The card was paid off in XXXX and they told me the late fees would not apply due to the circumstances. I actually paid one late fee just to get them to stop sending me bills and they sent another one with more late fees! I literally talk to them once a month and they say it will be taken care of and disregard the bills but the late fees keep going up! They purposely make it extremely difficult to close the account. No one should ever get a credit card through BJ 's or Comenity Bank.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer. Capitol One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.
Product: Money transfer, virtual currency, or money service

Whitney bank located at XXXX XXXX XXXX XXXX in XXXX Louisiana refused a lawful method of payment for a vehicle. XXXX XXXX XXXX, the manager, refused to look at documentation provided and refused to read the laws that govern this method of payment. I have tried to reach the president to enforce the transaction be done and have left 2 voicemails. I have yet to hear from him. I am also considering taking this to the media as well. I am under UCC laws and am a private investor. I currently have an account at Whitney, but I believe I will do my banking elsewhere.
Product: Checking or savings account

There was a XXXX booked on XX/XX/2023 by someone other than myself using my debit card without my permission. The total was {$3600.00}. The booking was canceled on XX/XX/2023. The owner stated there were no refunds. I contacted XXXX to fix this, to which they said it was up to the owner 's discretion. They gave me the owner 's contact number to resolve. The owner stated he deserved the full amount for taking his property off the XXXX platform for XXXX hours. I explained it was not me who booked it and I could not afford to give him that much money for services not rendered. He refunded {$1300.00} and stated he would keep the rest of my money ( {$2300.00} ). I then filed a claim with my bank, Wells Fargo, who temporarily refunded {$2200.00}. They then concluded on XX/XX/2023, that I did give permission for this transaction and {$2200.00} was withdrawn again.
Product: Money transfer, virtual currency, or money service

I left my phone and I didn't realize it. While walking in the parking lot to my car, a guy yelled out to me telling me that I left my phone. He gave it back to me, and I left. After arriving home, I received emails from Navy Federal Credit Union with claims of old transactions that were already paid and they issued temporary credit immediately against my account without my consent. Within that time I also received emails from XXXX XXXX that {$1400.00} was sent to a person I don't know ( XXXX XXXX ). I contacted Navy Federal and they told me the transaction couldn't be reversed. 
Both XXXX XXXX and Navy Federal denied my refund. 
How can you assist me with this lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Experian Credit file I noticed that the credit reporting agency is allowing the same account to be reported as two different account types and other inaccurate information.

The account XXXX is first reported as a closed-charged/off account with a " date-opened '' date of XX/XX/XXXX and now it's showing as an opened account effective XX/XX/XXXX. The account type is reporting as a " debt buyer '' when this is the original creditor. The amount is different but it's one in the same account. 

Is the open account a " Collection? '' How can the account type change from " Credit Card '' to " Debt-Buyer? '' The account XXXX XXXX XXXX has a " Account Type '' as Collection. This has been disputed that this was a " Paid '' account only and not a collection. This is continuing to be reported inaccurately.
Product: Credit reporting or other personal consumer reports

I went to open a new bank account in my neighborhood. I gave them my IDs. They told me they could not open an acct because I had a charge off from XXXX XXXX  for {$1000.00} from XX/XX/year>. 

I HAVE NEVER BANKED WITH XXXX XXXX. I HAVE NEVER APPLIED FOR ANYTHING FROM XXXX XXXX XXXX CHECK ACCT SAVINGS ACCT CREDIT ACCTS OR LOANS. 
I dont even know where a branch is located. 
I can only conclude that my identity was stolen. I am on XXXX ( SSA ). I dont even own a mobile phone as my brother is filing this for me. 
He set up this email acct for me to use. I dont own a desktop or laptop computer and I pay my bills by money order for my home phone and utilities. 

I would think the acct would have to be opened on line. But how would that be possible unless XXXX XXXX  is XXXX and their security is XXXX. 
My credit rating is probably ruined now. I cant open a new bank account and I can not get a cell phone which was the reason I went to open a checking acct. I only have a savings acct currently. 
This has caused me undue harm and I want that charge off removed immediately from my credit profile and I want a letter of apology from XXXX XXXX  and compensation for the embarrassment I just went through at the local bank I was going to start a relationship with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was transferred to Carrington Mortgage Services in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.
Product: Student loan

My loan was with XXXX XXXX  and I asked why it wasnt updating the payment counts with the expanded forgiveness program they said they would before transfer and did not. I have tried numerous times to call mohela who the loan is with now and you can not talk to an agent. The 1st i talked to an agent about my loans the amount of processing went from 10 days to 3 months in that phone conversation. They could not tell me if all my paperwork with transfer with the loan like my pslf certification paperwork. Since the loan has uploaded in the system it still has not uploaded the payment counts with the expanded pslf and Ive spend hours upon hours on hold waiting to talk to an agent and it never happens. I want the payment counts with the expanded pslf payment program updated before the program ends this month and information on when will updated but you can not talk to anyone.