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

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( XXXX. ) is now attempting to collect this debt.
Product: Student loan

On two occasions ( most recently on XX/XX/XXXX ), I reached out to Sallie Mae and asked for information about a loan they held for many years. 
I have not saved statements from Sallie Mae as I didn't believe I would need to prove the duration of the loan or payments I made after several years had passed. 
I subsequently consolidated this loan at a lower rate with a different company ( XXXX ) and I no longer have access to my data through Sallie Mae 's website I am in the process of verifying loan information to qualify for the PSLF program. I need this information to prove that I have been paying these loans for over 20 years I currently hold another loan ( beginning XX/XX/XXXX ) with Sallie Mae so even though they no longer hold the previous loan, I am still a paying customer
Product: Mortgage

I paid off my mortgage with NationStar on XX/XX/XXXX2015. I received a letter 2 weeks later telling me that I would receive a check for my remaining escrow money XXXX {$680.00} XXXX as well as a check for overpayment on the mortgage XXXX {$99.00} XXXX. 
I was not sent either check. After contacting NationStar several times via their website, I was given a phone number to call for customer service. After a conversation on XX/XX/XXXX/15 I was told that I would be sent both checks and would receive them in 7-10 days. On XXXX/XXXX/15 I received the check the mortgage payment. By XXXX/XXXX/15 I had not received the Escrow check and contacted NationStar again. I was told that the dispersal of the check was 'denied ' by someone in the company, but the customer service reps did not know why. I was told on XXXX/XXXX/15 that the issue would be handled right away and the check would be expedited. I was due a call-back on the XXXX. I did not get the call back. It is well over the 30 days that Nationstar is allowed by federal law to return my escrow money and I have no faith that I will be returned this money.
Product: Debt collection

Medicredit is attempting to collect on an account that has a XXXX balance while reporting knowingly false information to XXXX and XXXX against my credit file. 

This derogatory account must be removed from my credit file because on XX/XX/2019, the primary service provider, XXXX XXXX XXXX XXXX, adjusted the account to a XXXX balance. The medical bill has been in constant dispute since inception due to a pending malpractice action I am planning on filing against the treating physician and facility because of their negligence in my care which proved almost fatal. As a result of my prior correspondences with the provider/hospital which details the negligent care by their physician and facility, I demanded any amount billed to be held for naught, which they agreed to on XX/XX/2019. 

As documented on my credit report from XXXX XXXX and XXXX, Medicredit Corp. began premature collections on this account on XX/XX/2019 ( less than six month after the account was created ) without any notification or investigation as to the validity of the debt. Moreover, the account statement ( attached here ) from the primary service provider clearly shows that the account was still in good standing and under their control through XX/XX/2019 when the account was adjusted to XXXX
Product: Credit reporting

There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge was made at XXXX XXXX in Arizona for the purchase of several items totaling XXXX. I did not make these purchases. They were made using a credit card I had applied for but had never activated.
Product: Money transfer, virtual currency, or money service

XXXX XXXX BTC** XXXX XXXX BTC** XXXX before Bitcoin made it too my cash app wallet cash app closed my account and unlinked every bit of information on my account that would allow me to login too the account** XXXX Recieved email stating that my card and bank account were unlinked as well as my email. I responded immediately too let them know I did not unlink my information and account must have been compromised. XXXX Theyve been promising that they have my account and Bitcoin would be merged onto the account they made me make and never has happened. XXXX the manager at first gave me information too an account that wasnt mine which is really scary and just that alone was enough to be sure that these guys are are joke. Theifs I can not believe how Cash app gets away with how they do business its nuts ... I reported them too the XXXX and they also keep responding too my complaints and try getting me to agree that the problem has been solved but it hasnt and its very clear it hasnt so i just keep rejecting there response. Im hoping that this message will be the eye opener for them because this is now over XXXX $ in Bitcoin they are wrongly holding from me its disgusting.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF ED/XXXX XXXX ACCOUNT XXXX XXXXXXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Debt collection

National Enterprise Systems, a debt collector, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. National Enterprise Systems through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying National Enterprise Systems can legally collect, and proof that National Enterprise Systems is the current holder of the instrument which created the debt with my original blue ink signature. National Enterprise Systems is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to National Enterprise Systems and I do not consent or authorize for National Enterprise Systems to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX ( XX/XX/2023 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to XXXX and Experian on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXX Bank, who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. 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. 

Account name : XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX Bank # XXXX ; Account Name : XXXX XXXX  ( formerly XXXX ) # Unknown, 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 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 convictio
ns 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, credit repair services, or other personal consumer reports

ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT. 

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I used a Navy Federal Credit Union ATM machine located in XXXX, Fl on XXXX XXXX XXXX. I made XXXX separate deposits within a matter of minutes. The first deposit was in the amount of {$300.00} which was going into my spouses account. Received a receipt for that transaction. Immediately I made my second deposit in the amount of {$200.00} which was intended to go into my checking account. I also received a receipt for that transaction. My wife received her funds into her account immediately, but mine did not. I gave it a couple of days to see if the funds I deposited into my account was available, and unfortunately it wasnt. I contacted the bank regarding the problem, and it was mentioned to me that the ATM I used didnt show the funds. Im a consumer and used the ATM in good faith and by no error of mine, my money was never credited appropriately.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX  TX XXXX. There are several names and name variations on my consumer file and addresses as well. I dont give LexisNexis permission to report anything other that what I have stated. 
LexisNexis keeps stalling by stating they can not confirm my identity but I have attached my identity to each complaint. This is your 7 day notice to comply with this notice or consider this your legal notice.
Product: Debt collection

I have never received any notification to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Product: Credit card

for my XXXX  visa card, i'm not sure why there a charge back on the fraud transaction? I have reported those fraud transaction and it's still showing on my account. Also, nobody has contacted me about what's going on etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX
Product: Debt collection

I have a loan through Advance America that was included in my XXXX  XXXX bankruptcy in XXXX. They have now sold my debt and info to numerous collection agencies. I am receiving harassing phone calls 2-4 times a day to my cell phone and at work asking for payments that have already been cancelled. Once I talk to a human and explain it was included in the bankruptcy, they sell it to a new collection company. Some of the companies include XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. 
Recent Calls XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX at work XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Ive been attempting to pay/settle with this company and they refuse to allow me to pay or anything and wont even give an offer or anything. Ive tried to call in several times and get this run around for XXXX mins every time for them to say wait another 2 weeks this has been going on for months. Since they wont allow me to pay to take it off my credit report or settle Ive tried disputing this all together and they keep blocking my dispute but not resolving anything with me. I want this off my credit report as at this point its fraud and hurting me. You cant hold someones credit hostage with no solution. Please help I believe Im being discriminated against
Product: Credit reporting or other personal consumer reports

Despite having paid my student loans in full, Experian continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my XXXX XXXX during the correction process.
Product: Credit card or prepaid card

Have a balance on an expired card. Tried to get a replacement card. Was put on hold for XXXX XXXX minutes the first time I tried and gave up. Then again for XXXX minutes. No one gets on the line and there is no simple way to replace the card on their website.
Product: Credit reporting or other personal consumer reports

I located inaccuracies on my credit report in accordance with 15 USC 16c-2. I believe this information is false and detrimental to my creditworthiness.
Product: Credit card

Applied on XX/XX/XXXX for a capital one card. They pulled my credit ( all 3 bureaus ), i made one charge, paid it and today on XX/XX/XXXX, theyve closed my account after charging and Ive paid my annual fee of {$390.00}. 

They wouldnt give me any reasoning other than terms and conditions. 

This is unacceptable. So now my credit went down because of 3 hard pulls, Im going to show an account opened and impacting my ability to get other credit cards with other issuers, and they have my money without receiving ANY of the perks. 

Had they just declined the card, thats fine. They can not want to do business with me : but to open an account and then less than 2 weeks close it without any reasoning is unacceptable
Product: Credit reporting or other personal consumer reports

My mother had made an account for me with XXXXXXXX XXXX  card showing up as XXXX XXXX on my Experian credit report. I did NOT authorize this account to be made and when I learned she had done this I asked her to take me off of the account. She said she did remove me, and the company confirmed that I was removed off the account XX/XX/year>. I am unsure why it is still showing up and effecting my credit score because this card should only affect my mom since I am completely off the account, and it is under her name now. I don't have any access to this account, and I don't know the account number or credit card number. I need it to stop affecting my credit score please!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Acct # : XXXX XXXX does not show this account at all. 

On report until such date is inaccurate, both Experian and XXXX. 
XXXX reports : XXXX. Inaccurate payment history for XX/XX/2018 when compared with Experian. 
XXXX. Inaccurate payment history for XX/XX/2018 when compared with Experian. 

Disputed multiple times with Experian and XXXX Delinquent XXXX report inaccurate XXXX, no data for said month. XX/XX/2018 Account information between multiple reports is inaccurate for the above account in multiple aspects, not just XXXX aspect. It has been disputed multiple times with all three credit agencies yet only XXXX has removed the account due to the inaccuracies.