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

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$0.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Purchased by another lender Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # : XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$5800.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Dispute resolved ; customer disagrees Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Responsibility Individual Current XXXX {$190.00} Original Balance {$47000.00} Limit XXXX XXXX Monthly Payment {$190.00} Last Payment Status Loan Term XXXX Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original XXXX {$40000.00} XXXXXXXX XXXX XXXX  Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Payment after charge off/collection|Paid profit and loss Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # : XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$2300.00} XXXX XXXX {$2700.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Dispute resolved ; reported by grantor Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Phone # : XXXX
Product: Debt collection

I on XX/XX/2024 I sent a letter to MIDLAND CREDIT MANAGEMENT INC, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to MIDLAND CREDIT MANAGEMENT INC. Please have MIDLAND CREDIT MANAGEMENT INC remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I made my payment to the Yard Card TD Retail Card Service. I was unaware of a large insurance payment that was coming out of my checking account and my payment to Yard Card TD Retail Card Service did not go through due to insufficient funds. 

Yard Card TD Retail Card Service in fees and then lowered my credit limit to below what I currently owe directly impacting me to be over my credit limit with them. 

They make the process of getting information cumbersome XXXX employee XXXX was the employee I spoke with. 
This is a destructive practice causing great harm to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX was added to my Transunion credit report. On XX/XX/XXXX I requested varification, from XXXX XXXX XXXX XXXX XXXX, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by TransUnion and requested the method of account verification. On XX/XX/XXXX I received a letter from TransUnion which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

XXXX XXXX XXXX has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and XXXX XXXX XXXX XXXX, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had my credit pulled when applying for a Mortgage with my Employer. Upon doing so, I find your Company is reporting on my CBR with regard to my sale of my home, the account number # XXXX. I am disputing the credit reporting and your company agreed to not reporting this back in XX/XX/XXXX. Please correct these errors as soon as possible. I appreciate your attention with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This letter is to inform that we are reaching out in regards to property address XXXX XXXX XXXX. XXXX, FL XXXX with loan # XXXX, in the original amount of {$130000.00} dated XX/XX/XXXX XXXX XXXX ( attached ) recorded on XX/XX/XXXX in XXXX XXXX Page XXXX in XXXX XXXX. The satisfaction that was provided from Wells Fargo Home Mortgage Recorded on XX/XX/XXXX in Book/Liber XXXX Page XXXX refers the incorrect Page from the Satisfied Mortgage mentioned above ( attached ) which should read XXXX XXXX vs XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




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

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Debt collection

XX/XX/scrub>XXXX/2025 called XXXX XXXX XXXX XXXX  about a collection I saw on my credit report. I asked for proof and an itemized receipt of charges after providing my name and birthday. He refused to send me proof or the itemized receipt and wanted me to go in person. I explained how that amount is not accurate because it's paid off. Asked for documentation and he refused and only wanted in person contact. I advised that I will be reporting it.
Product: Credit reporting

I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!
Product: Credit card or prepaid card

Additional notice to Navy Federal Credit Union, I do not have a debit card for my account ending in XXXX, you have deprived me of my right to use my credit card, credit is my right granted. Please see attachments. Thank you for your attention to this serious matter. XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Around XX/XX/2022, XXXX XXXX XXXX contacted me via phone about an outstanding balance of {$1400.00} that was opened under my name, but it wasn't me. The address associated with such account was not in PA, where I've lived for the past 10 years, and I indicated such with them as well as the fact that my identity was stolen and people tried to open several accounts with my identity, thus I already froze my credit report and put an alert with the 3 credit bureaus. They said okay and hung up. 

No more calls from XXXX XXXX XXXX or their agency until XXXX when I started receiving calls from Sunrise Credit Services , Inc for the XXXX & XXXX account balance above. I explained to them again all the above information, the collection agency then mailed me a fraud claim package that I later filled out and submitted to XXXX XXXX XXXX together with my proof of residences. No communications from XXXX XXXX XXXX besides the acknowledgement of claim receipts. 

On XX/XX/2022, Sunrise Credit Services , Inc. called me again and said XXXX XXXX XXXX declined my dispute and indicated the charge was valid. I can't contact XXXX XXXX XXXX directly to get any information about the application or the charges that were opened under my name. I don't even know what the charges were related to.
Product: Student loan

I have submitted several Save applications- one through XXXX and I was on deferred payments until they processed it. I was then consolidated with Mohela who I submitted another XXXX application through. They have not processed my original application or the new application and my payments are much higher than the XXXX i was on before consolidation. I can not afford the current payments and they wont give me an administrative forebearance until they process my save application.
Product: Credit card or prepaid card

On XX/XX/2017 I was charged {$500.00} and {$370.00} from XXXX XXXX XXXX in XXXX XXXX Florida and i disputed the charges. I disputed in terms of non received the service from the bussiness. After i filed the dispute Bank of America Denied it, the customer service reps were very rude and said that there is nothing they can do. They send me a denial letter of just two sentences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an XXXX report with an account and inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed 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 XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Debt collection

This company is setting very detailed emails with my information I have no knowledge of these credit card debt and I am asking that they be removed for my credit report immediately