23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Timeline Received text message alert on XX/XX/XXXX XXXX Direct Express Alert! Possible unauthorized transaction on account ending [ XXXX ]. Please call the number back of the card. Reply? Stop to opt-out XX/XX/XXXX XXXX Member made call to Direct expressed to report unauthorized use of account. Cancelled card, to wait for new card. Rep email request information regarding incident. 

XX/XX/XXXX received letter from Direct express with case number XXXX provisional credit issued notification XX/XX/XXXX direct express letter dispute declined XX/XX/XXXX XXXX i called call wait time was over 1 hr. Member unable to hold. 

XX/XX/XXXX XXXX I spoke with rep and transferred to supervisor. Wait time was over 1hr. 

XX/XX/XXXX I called direct expressed however wait time is over on 1hr unable to complete call XX/XX/XXXX XXXX called direct expresse was on hold over 1hr but was not able to connect with supervisor.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Immediate Removal of Stated Debt To whom it may concern ( Sunrise Credit Service ) I am writing to formally dispute the negative item that your company has reported on my credit report. This inaccurate and unverified reporting of {$760.00} has directly impacted my ability to obtain credit for the purchase of a vehicle, which is essential for me to earn income and support my family. Your actions are not only causing financial hardship but may also constitute violations of federal law under : 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act - FDCPA ) : This law prohibits debt collectors from engaging in unfair, deceptive, and abusive collection practices.

15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act - FCRA ) : This law mandates that all information reported to consumer credit agencies must be accurate, complete, and verifiable.

I demand that you provide written validation of this debt, including but not limited to : 1. Proof that your company has the legal right to collect this debt. 2. A complete itemization of the
alleged debt, including the original creditor and any payments made.

3. Sunrise Credit Svcs. notified me within 5 days of this new debt to dispute with Creditor 4. A copy of any signed agreement obligating me to this debt.

5. Documentation proving that this negative item was legally reported in compliance with FCRA regulations. 

I must now demand such validation within 17 days, as I have requested confirmation from your company on XX/XX/year>, you are legally required to remove this negative item from my credit report immediately. I have made the XXXX aware of this situation. Additionally, I will be reporting your actions to the FTC and Attorney General on XX/XX/year>. Additionally, I will explore legal options, including seeking damages for financial harm caused by your unlawful reporting. 

I expect a written response within 17 days to confirm the removal of this negative item or providing the requested verification. You may contact me by writing at the address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.
Product: Debt collection

Ive reached out seven times to contact his employer in regards to this fraudulent account that was open and the federal law I have reported this to the XXXX Police Department to the Federal trade commission and the consumer financial protection Bureau under federal law they must remove this account and stop putting this negative account to my credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Again I come to you, because the agencies are not help me with this even after I applied all my documents and reports. Please review this information again. over the last two years I have been fighting the banks and credit agencies for fraud information on my account. I am still fight them on these issue. Here attached is a copy of my original report. The accounts are charged off and sold to credit collection agencies now. 

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since XXXX. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all three credit reporting agency and alert was placed on all my credit reports with all 3 agencies. I complained to each lender and as of this day I file this report back in XXXX until this day I have gotten any resolution and all those accounts are still open in my name and are chargeoff on my credit which is very damaging at this point after 30 years in the military and coming up on retirement now. There was never a resolution to this matter. None of the company can provide me with any evidence that I ever signed for anything with my original signature. I have my military location an time these report and credit was established. I have disputed with creditors and the bureau 's take this information down. I submitted the attachment back in XXXX to your board and nothing ever happen at the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card

I had a credit card with USAA Federal Savings and XX/XX/XXXX the account was charged off. XX/XX/XXXX, they sent me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX as issued. It has affected all my financing since XX/XX/XXXX due to this fact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX ) Delete this account immediately because of violation of 15 USC 16815-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i & ( i ), and 15 USC 1681e ( b ) XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) | ( XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX ) # XXXX Delete this account immediately because of 15 USC 1681s- 2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e (
Product: Credit card

On XX/XX/year>, someone opened an Old Navy Credit Card under my name on XXXX XXXX XXXX, CA. Then made XXXX {$100.00} purchases. 
I did not open this card. 
I called Old Navy and was redirected to Barclays Investigation Department. I told Barclays I do not live in CA, I live in Massachusetts, and I NEVER opened an Old Navy Card.

They told me they would investigate. Their investigation came back that they believe I did open this card. they have reported me to the credit bureau, say that I owe over {$800.00} dollars now and my credit has score has gone way down.

I am furious. I just called Barclays again and they do not believe me. I will need to get a lawyer as now this feels like harassment for something I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX reported to XXXX  that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company BBVA said they received information from XXXX  about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with BBVA hasn't been restored ( since they're using false information ). 

I receive an email from XXXX  acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.
Product: Debt collection

XXXX XXXX XXXX Account # XXXX asserted collection for Comenity Bank Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, XXXX XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals XXXX XXXX XXXX Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. XXXX XXXX XXXX Account # XXXX on behalf of Comenity Bank Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # 1 XXXX XXXX XXXX XXXXXX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
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 XXXX XXXX XXXX. 

XXXX : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) 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

I submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.
Product: Debt collection

I, XXXX XXXX, was sent a bill from Rent Recovery Solutions stating I owe {$4200.00} concerning XXXX XXXX XXXX. The matter at hand states I was a resident of this apartment complex, which implies that I signed a lease agreement and would be responsible for such debt. In good conscience I have never signed a lease agreement with XXXX XXXX XXXX. I have requested documentation of such agreement without successful response. I was told per management of XXXX XXXX to file : '' identity theft report and that this conversation is done and we can not help you any further ''. I simply asked for the lease agreement to provide documentation concerning this debt. I feel that I am at a loss in this situation given I have no legal attachment to this residency.
Product: Credit reporting or other personal consumer reports

I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXXXXXX XXXX XXXX. I finally received a response my second time asking for validation in XXXXXXXX XXXX XXXX and was told theyve sent all information to the companies XX/XX/2024 and are still awaiting a response. I have yet to receive an update and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Furthermore, this is now involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX XXXX May Presume that no proof of the alleged Debt, nor therefore any such debts in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Trade Commission provides the following information regarding credit freezes : " If you request a lift of the freeze, the agency must lift it within one hour ... You also can lift the freeze temporarily without a fee. '' I have repeatedly and unsuccessfully attempted to temporarily lift a freeze on the Equifax web site on XX/XX/XXXX. Subsequently, on XX/XX/XXXX I called the Customer Service phone number ( XXXX ) XXXX. No issues were reported by the automated system performing the security checks. I was on hold for 30 minutes. After providing additional information to the customer representative, she informed me she did not have sufficient information to confirm I am the account owner. I was requested to mail proof of identity including driver 's license and SSN card. I asked to speak with a supervisor. After 30 min, the customer service rep informed me she would transfer my call to a supervisor, and put me back on hold. After another 30 min I talked to the supervisor. The supervisor asked me the same questions, repeated she was no going to be able to help me, and pointed me back at the web site. 
This violates the legal intent to make the process friendly and accessible. Equifax is demonstrating disregard regarding the customers ' time by complicating the process and not providing explicit information to help resolve issues.
Product: Mortgage

I have called many times to make additional payments on our mortgage and the online system only lets you make one payment every 30 days ( I screenshot the error you get below ). So if you needed to make a partial payment the system will not let you nor will it let you make additional payments. When you call Axos Bank you get transferred quite a few times to then finally get someone in mortgage department and if you have any partial or additional payments they make you mail it in to an address that is not on there website and you have to call to get the address also if you were having financial issues you can not make a partial payment on the online system. Also I can not go to my bank in town to pay my mortgage because it is not located in my town it is XXXX away from my house. So my only options are to mail or pay on the online system once every days to me if I want to make payments on the XXXX and XXXX of each month I should be allowed no matter the amount.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. [ THD/CBNAXXXX ] This account does not meet XXXX XXXX compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting

This has been removed from my record, this was a LNI that got wrongfully billed and paid
Product: Credit reporting

I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.
Product: Debt collection

alleged debt with iq data XX/XX/year> amount with XXXX XXXX {$6600.00} Alleged debt with XXXX XXXX XXXX XXXXXX/XX/year> amount {$5000.00} with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report must have accurate information & my privacy must be used in accordance with the law 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. 
XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX XXXX Original creditor 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 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.