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

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.
Product: Mortgage

I received and replied with the information to be included in the Provident Settlement. 
I did not receive a check in the mail The Provident settlement administrator website can not be found and the phone number XXXX just has a busy signal every time I attempt to call.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

According to the agreement signed with Terms Code 0913, Citi Bank N.A. has been obligated to respect the right of customers when dissatisfied with the credit card purchases. To use this right, only three terms must have been true. It is noted that if all of the three criteria are met and the customer is still dissatisfied with the purchase can address the XXXX XXXX XXXX to investigate. It is also noted that XXXX XXXX XXXX has been obligated to disclose the result of their investigations in a limited period of time to the customer. 
In my case, I presented my dissatisfaction with my purchases from Best Buy while respecting all of those three criteria to the XXXX XXXX XXXX and requested for the investigation needed. The XXXX XXXX XXXX refused to exert the required investigation. They wrongfully referred me to the lapse of time when a customer has found a mistake on his/her monthly statement that has nothing to do with the dissatisfaction of the purchases done. 
XXXX XXXX XXXX has been trying to give me knowingly false information. They prevaricated and avoided doing something that they should do. 
Due to the breach of contract from the XXXX XXXX XXXX side, I have suffered a lot of emotional distresses and their conduct has been detrimental to me for tone of dollars that must be compensated in addition to the specific performance that Best Buy company has to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my personal credit report from Sagestream LLC I submitted a statement asking if in the notes it could be put that one of my accounts was closed due to fraud. I followed the company 's procedure and sent a secured fax and gave a deadline of XX/XX/2020 XXXX XXXX est to respond. They did not.
Product: Mortgage

Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.
Product: Credit card or prepaid card

I have a Kohls Charge Credit Card where I make a XXXX $ minimum payment. I lost my mother early 2019 to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of 2019. In this specific case I was late on XX/XX/2019. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate. I cant see my credit card number on the card anymore the numbers faded away. I can verify via SSN, DOB, ETC.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account XXXX : XXXX
Product: Student loan

I requested a forbearance for my all my loans. They advised the request was granted. After speaking with servicer they advised that rep only applied for forbearance on 1 loan and advised they would apply for a forbearance for other loans. After, i was notified that it was denied and account was now past due. Payments were made on XX/XX/XXXX and then on XXXX totaling XXXX. I was again contacted and advised the account was past due 54 days. I spoke with representative and she went over account and advised the payments were not allocated to the correct loans. After speaking with her we figured out the account was showing 54 days past due for a total amount of XXXX XXXX I made that payment, only to receive a call XXXX hours later saying again account was past due. I explained and thought it was squared away. I continued to receive phone calls stating same. Today I spoke to servicer and the my stated account was past due and request were made to correctly allocate payments but it takes up to 5 business days and my account would be researched by specialists. They have continued to harass my mother and I without even completing the investigation. They then gave me 3 different amounts XXXX {$530.00} $ and XXXX XXXX They arent even clear on how much is due. They contact my mother and I atleast 2 times a day each with incorrect information only for me to go through account and receive the same response of we will send request for payments to be reallocated correctly and have specialist review account. This is stressful and taking a toll on my mental health. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate deletion of the XXXX XXXX account information that you have reported on my credit report. I have previously requested, in good faith under Rule 1002 of the Fair Credit Reporting Act ( FCRA ), the documents that demonstrate proof of compliance with the legal requirements pursuant to sections 15 USC 1666b and 1637 ( b ). Specifically, I requested proof of the mailing or delivery of information required 21 days before the payment due date, as mandated by section 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I requested that Ad Astra Recovery Service validate an account for Speedy Cash. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
Product: Debt collection

DEBT COLLECTOR : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX On XXXX @ XXXX, CSR states they have not received release from Creditor, however, Debt was settled back in XX/XX/XXXX through Financial Aid approval and Co-Payment paid in XXXX. 

Debt collector has had ample time to update their records. 

Debt collector CSR stated " Doctors don't take charity and this is for doctor 's bills. '' However, Original Creditor/provider XXXX XXXX has confirmed all charges have been closed/paid for this medical visit on XX/XX/XXXX. 

Debt collector continues to send collection letters and continues collection calls on a already settled account.
Product: Debt collection

Amex has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

We purchased a home solar loan with Goodleap. The amount was XXXX in XXXX. The Goodleap associates stated that there would be money back from taxes to pay off loan early before it re-amortizes in 2 years XX/XX/XXXX. Fast forward to now XX/XX/XXXX it re-amortized. But what is boggling is the $ 194 monthly payment went initially towards interests none to principal. But on the statement it says {$190.00} goes towards principal & interest. Now 2 years later the amount is {$48000.00}! Where the XXXX is the almost {$6000.00} amount going towards the principal to begin with?!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$260.00} Date of Account:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was informared by XXXX XXXX XXXX that in order to go through with a potential loan I first had to unfreeze my credit information with Equifax. When I called Equifax, they couldnt unfreeze my account because they couldnt find my account. ( Because they most likely split my account but they never wanted to admit to it over the phone. They just said we will help you with your issue ) I overnighted them a copy of my social security and driver license, along with a cover letter to explain the situation ( as requested by them ) but they tell me they either didnt receive it yet ( despite USPS confirming it was picked up within two days of it being shipped ) or that they were still going through the document. The only thing in that document was confirming my information. Every time I call, I also get a different timeframe for waiting on the documents to be reviewed, first it was 3-5 business days and then it was 10 business days. When I finally get access to an account ( not because Im of the documents, Im still waiting on that information ), it does not have my full name and the address is incorrect. I call my active creditors to confirm who is reporting directly to Equifax and one of them does confirm and says they last reported on XX/XX/XXXX. One customer service rep was getting feisty with me saying that if they are reporting Sir, then why dont we have their information on file with a sarcastic tone as if Im the one that caused this problem. That rep and another rep both told me that I should ask the creditors to call them directly to verify my information or that the information Equifax has is correct. I explained to them that no creditor is going to that, the customer has to call to verify for themselves, the creditor cant advocate for the customers information if they are trying to receive information. The sarcastic rep said no sir, they have to, that is how the process works When I called both creditors, they both obviously said no. When I told the potential creditor to look into Equifax again to see if they can access my information now, with the caveat that the information was wrong, they told me that the account was still showing up as frozen. ( Because they are trying to access the right information that Equifax does have somewhere in there system, but Equifax is not competent enough to figure out how to fix ) By far one of the worst customer service experiences Ive had to deal with.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 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 of 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

I have a hard inquiry from XXXX XXXX for XXXX XXXX XXXX on a date of XXXX that I dont recognize because I do not have an account with neither company. I would like to remove this inquiry and stop further unauthorized & unwanted use and/or access to my credit report is this possible?
Product: Debt collection

TSI TRANSWORLD SYSTEMS INC. 
has submitted the debt to the credit bureau prior to the date stated on the paper. It was submitted to the credit bureaus today and the paper from TSI says it would submit to credit bureaus XX/XX/2022 if I had not submitted a dispute. I had spoke to a lady from TSI this past Thursday because this debt was never submitted to my health insurance. I was told everything would be disputed from their end and the hospital would have to resubmit. Yet the hospital told me they would pay it since it was hospital representative failed to submit it to health insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/XXXX, XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : # # # # # # # # XXXX [ TRANSUNION 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/FINGERHUTXXXX # : XXXX XXXX. XX/XX/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. XX/XX/FINGERHUTACC # : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
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 {$0.00}. 
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 XX/XX/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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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

Please see attachments. 

XXXX XXXX has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year.

Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on Equifax in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt XXXX. Both XXXX were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX XXXX STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN