23daVinci/CFPB_Complaints huggingface dataset:
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 CREDIT BUREAUS are required by law to remove any items or information 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 and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

In XX/XX/2018 Bank of America employee called me and said a check was put in my account that looked like fraud. I asked the employee what check she was talking about as I knew nothing of any check going into my account. So she said we were going to close that account and start a new one to which I agreed. This was the middle part of XX/XX/XXXX and I told her I would not have another deposit till last working day of XX/XX/XXXX. She said that would be fine. Before my check could go into the account I received a letter that they were closing my accounts all the way. It was too late to stop my check so the check went to Bank of America. I called the bank and they said after the closure and everything was settled I would get the remainder of my check. I said ok. I was in constant contact with them and they finally told me I would have to drive to a Bank of America to receive my money. So I drove the 100 miles to a bank and they refunded all my check. In XX/XX/XXXX I called Bank of America and asked them to file a fraud report over the check.So we did that and they told me it would be 60 days for them to investigate the claim.In XX/XX/XXXX I  called to inquire about the fraud claim and got sent to several different people. Nobody could talk to me on the phone and half could not even find a claim. So now it is where I can not open a checking account in XX/XX/XXXX because of this XXXX report. I get the report and Bank of America says closure status is unpaid. if there was money owed then why didn't they take their money from my retirement check that went to them. Now I received my mail from my daughters house and in the mail is online banking checks made out to other people. I never authorized these checks and the Bank of America can see I never had this money in my account. I never use online banking. One check  the bank sent out was cashed in New York. All this is fraud. Please help as I need a checking account for ss checks And other income as well as a couple bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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

Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
Product: Credit card or prepaid card

Capital one credit granting entity issued a credit card from application using others information and thru credit reporting, granting credit, and responding to investigative agencies and entities have violated my rights as a consumer, committed mail fraud by responding to an investigation that they saw no fraud, which is a false statement submitted and transmitted through the us mail. 
From information from another attempted fraud application from XXXX XXXX, it was determined that the application was submitted using social security number XXXX, Im informed by XXXX that this is factual, as well as the fraudster used a previous address and name that I havent used since XX/XX/XXXX due to identity thief. 
On XX/XX/XXXX capital one sent and result of a fraud investigation stating that they saw no fraud, but sent it to my actual address, which is again using unauthorized my credit report without permission to skip trace, which the delivery of this document constitutes mail fraud because its false information applied to me personally. 

Their case investigation is XXXX, its false. In requesting the investigation I outlined my actual social security number which isnt the one that they issued the card to and requested deletion of the item, their response is false.
Product: Debt collection

I was sued by the Second Round Sub. LLC claiming that I own money for XXXX XXXX. I attempted to communicate that I did own the debt and requested to provide me authentification and the contract agreement that bears my signature. However, they asked the court for the judgment and it was granted without showing proof. After I researched I found out that the Second Round Sub , LLC buys a debt consumer do not own or paid off ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. 
I am absolutely certain that the item I disputed ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Product: Credit card or prepaid card

I made a purchase from an online company for {$100.00} and never received a receipt. I tried to call the company and the phone number was no good. I tried to contact them by email but it came back as undeliverable. I contacted Cash App, who I'd made the payment through ) and my dispute was denied. Cash App didn't provide an explanation as to why it was denied. For weeks I've been dealing with their customer service support department and have only gotten the run around. I've called their support phone number and again, haven't gotten any assistance and can't get any answers. I've provided Cash App with documentation that the company that I tried to make a purchase from has been reported as a scam. I want my money returned and once that happens I want to close my Cash App account and will never do business with them again.
Product: Student loan

To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I was travelling to work on my motorcycle and had just past the toll plaza at the XXXX XXXX in the carpool lane when a car that was in the metering lane traffic went over the plastic barriers into my lane and hit me. I was ejected from my motorcycle and XXXX XXXX XXXX including both XXXX XXXX XXXX XXXX XXXX XXXX, at this point XXXX was requested by XXXX. I was picked up by XXXX  XXXX and taken to XXXX XXXX. I have and had at that time full coverage by XXXX XXXX that included ambulance rides in medically necessary situations such as this. In the coming months my insurance paid for all of my medical bills ( the driver who hit me and was at fault had no insurance coverage on his vehicle ). Needless to say there were a ton of statements that were mailed to me showing what had been paid for by XXXX. At no time did I know of a bill from XXXX XXXX, I wasn't even aware of the ambulance companies name that picked me up as I was in awful shape after being hit. In my mind, all of my bills had been settled and I had to deal with my XXXX XXXX and the costs associated with that. 

Fast forward to XXXX where I notice that my credit score drops to XXXX ( I maintain a consistent XXXX or above on my FICO score ). When I look into why this drop happened, I see that I have been reported for a derogatory account reported by Nationwide Recovery Services for the amount of {$2400.00}. This is apparently the amount due for the ambulance ride that day that I never received a bill for. The ambulance company XXXX XXXX apparently sold this debt to XXXX in XX/XX/XXXX and now in XXXX XXXX has reported this to my credit meanwhile, to this day, I never received a bill from either of these parties. I called my insurance company XXXX to inquire if they had received a bill which they had not. Further, my insurance will only pay/reimburse a claim within 365 days of the date of service. 

I find it completely unacceptable that not only did I suffer life altering injuries from an accident that was not my fault, caused by an uninsured motorist, but also that now my credit has been affected by a company with a horrible reputation for its billing practices XXXX XXXX  XXXX XXXX and then Nationwide Recovery Services. When I called XXXX they stated that the address they had listed for me reported to them from XXXX XXXX was incorrect and that is why I supposedly never received a bill from either of them. I think this is a ridiculous reason as my personal information is easily searchable, especially by debt collectors. This whole ordeal has been completely infuriating and it's incredible that I have to suffer more from this accident that happened in XXXX.
Product: Credit card

On XX/XX/2022, I was on the chat with a customer service representative, about a payment. I wanted to close my account and he said that if I paid it in full that I would avoid interest charges. I paid in full in the amount of {$590.00} and closed the account. However a smaller amount was credited to my account and the company said I still owed more. I disputed this with a supervisor named XXXX and he said he would take care of it and the amount would be gone and back to {$0.00}. The same thing happened and only a smaller amount was credited to my account again. I disputed it and the same thing. Meanwhile I have been accruing interest charges and late fees. When I tried to dispute this again I was told it would be looked into. I then get a letter from a debt collection agency. I called Synchrony Bank again to dispute. Conveniently ever since it went to a collection agency, Synchrony Bank can not find a whole lot of information regarding my account. A letter came to me in the mail saying they need more information about the payment I made which I sent a bank statement. Another letter came in the mail saying they could not locate the payment based on information I provided which is why I am filing a complaint. I have been dealing with them for too long with no results. One of the statements attached will show that only a part of my original payment was credited and not the full amount. The other statements show past due amounts and interest fees that were accrued since said payment. I also included the bank statement that I sent to them showing that I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to XXXX and never once did they report those payments. Then, out of nowhere they report XXXX accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.
Product: Debt collection

Went to the doctor several years ago. I was pretty sick with, need intervention at the time of arrival. Doctor 1 came in, said I had a XXXX and sent me on my way. Two days later I was no better, and went back to the medical center with same symptoms if not worse. Doctor 2 come in and says why didnt you come in sooner, you XXXX is basically XXXX. Two days would have been sooner enough. 
Doctor 2 Set me up for a round of XXXX and XXXX. Doctor 1 was the individual to administer treatment, and has the audacity to say looks like it got worse. 

Regardless of the situation, I was never contacted by the collections company in regards to the debt owed for what I would call malpractice.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove account from my report, it's hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached scanned documents for report number XXXX. All the pages show this report number. on page 2 of 12 it shows XXXX XXXX AND XXXX XXXX   updated and i would like to see the documentation for these updated accounts. Also i have attached the letter i sent experian on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XX/XX/XXXX and i only received a credit report that says updated and no proof.On page 5 of 12 the accounts is reporting twice with no full account number, different balances, different report dates, different monthly payments, no high balance, different statuses, different date of statuses, and different payment history. This is a violation of the FCRA.On page 7 of 12 portfolio recovery is reported as paid and i never paid this company and they should not be on my credit report. On the attached scanned on page 7 of 12 santander have late payments that was not late and i have not beeen shown any proof.Also XXXX XXXX IS REPORTING AGAIN ON PAGE 7 OF 12 WHICH IS A VIOLATION OF THE FCRA.ON PAGE 4 OF 12 XXXX XXXX IS REPORTING TWICE WITH NO FULL ACCOUNT NUMBER, RECENT BALANCES REPORT TWO DIFFERENT DATES, STATUS REPORT TWO DIFFERENT DATES, AND TWO DIFFERENT PAYMENT HISTORY WHICH IS VIOLATION OF THE fcra. THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBER BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the  consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. Experian was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.
Product: Consumer Loan

I am receiving threatening calls and voicemail 's from the collector, sometimes three or four times a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/2024, to investigate these accounts ( XXXX ). I sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.