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

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account was placed on my credit report without my permission I didn't give written instruction placing this account on my report that a violation of my consumer rights. 

XXXX Account Number : XXXX The errors I still see is the balance of XXXX on this account is still reflecting on a closed account that is a clear violation of the FCRA law, the date of last activity is inconsistent with the bureaus of XXXX XXXX and Equifax its not way this was verified as accurate and verified which false statements are being applied to my account after its been reviewed which another violation of my rights. 

XXXX XXXX Account # XXXX This account was verified is a joke at this point this account still reflects open in one bureau and closed on another also the date of last activity is incorrect and again your stated this account was verified, putting false statements on my report is a complete violation of the FCRA rights I have or at thought I had. 

XXXX XXXX XXXX  # XXXX Looking at my report this account is still reflecting an open account which we both know is closed and with it being violation. but this account was verified right? And to top it off this closed account is still reflection a balance. 

Please See Attachments!!!!!!! 

Please Delete Immediately I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent in XX/XX/XXXX  I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on my credit report from XXXX XXXX XXXX for an amount of {$1500.00}. They are acting on behalf of XXXX XXXX XXXX. This item is not correct. I used a service at a local care called crimson care over a year ago and was working for a company called XXXX XXXX which I had a XXXX XXXX XXXX XXXX plan from the company at the time of the service. My Health Card was verified at the time services was rendered and confirmed. I paid for the out of pocket at the hospital for the remaining cost at XXXX XXXX. All of a sudden, I got a report on my credit profile of Account collection. I never had a direct dealings with XXXX XXXX XXXX. I consulted my local provider which is XXXX XXXX XXXX Alabama and presented my Health Insurance which was sponsored by my then company I used to work for. I tried to reach out to the company XXXX XXXX Alabama USA and was told company stopped operations in Alabama.This is unfair report.Also tried to dispute this with Experian with a report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting or other personal consumer reports

My credit report incorrectly lists my U.S. Department of Education student loans twice, once under a past servicer Nelnet and again under the current servicer XXXX. This duplication falsely inflates my total debt amount and could adversely affect my credit score. This inaccuracy is a significant concern as I am in the process of closing on a house, and an accurate credit report is crucial for this transaction. Prompt correction of this error is essential to ensure a smooth and successful home-buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Product: Credit reporting or other personal consumer reports

capital one auto loan was paid in full and late payments was not removed. 
other accounts information was leaked on the dark web
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date of birth : XXXX. XXXX Addresses : XXXX. XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, APT XXXX, XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX
Product: Bank account or service

Rushcard has not released my money for a whole week ... im having hardships and need my money asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( XXXX XXXX ) Dollars. This loan has since ended up with Navient. I contacted XXXX XXXX and was told that they submitted a much smaller number to Navient nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( XXXX XXXX XXXX XXXX Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at Navient have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( XXXX XXXX XXXX ). after beginning my dispute process. XXXX  explained that they use the E-Oscar electronic system to verify my information. I explained to Navient that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in XXXX and had relocated to XXXX, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX XXXX stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by XXXX  that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.
Product: Credit reporting or other personal consumer reports

I believe that the XXXX did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The XXXX recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the XXXX will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the XXXX XXXX XXXX have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the XXXX liability means the XXXX owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.
Product: Credit reporting or other personal consumer reports

My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 
The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : XXXX Potentially negative Date opened Balance Status XX/XX/XXXX {$0.00} Account charged off. {$5500.00} written off. 

XXXX. XXXX Potentially negative Date opened XXXX XXXX XX/XX/XXXX {$0.00} Account charged off. {$1400.00} written off. 

XXXX. XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$250.00} Status Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written Off XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$11000.00} Status Account charged off. {$11000.00} written off. 
{$11000.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  Potentially negative Date opened Balance Status XX/XX/XXXX Paid, Closed. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX XX/XX/XXXX Balance {$40000.00} Status Account charged off. {$35000.00} written off. 
{$40000.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened Balance XX/XX/XXXX {$20000.00} Status Account charged off. {$27000.00} written off. 

XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$12000.00} Status Account charged off. {$12000.00} written off. 
{$12000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX {$5500.00} Balance Status Collection account. {$5500.00} past due as of XXXX  XXXX  XXXX  XXXX XXXX XXXX Potentially negative Date opened > Balance XX/XX/XXXX {$1400.00} Status Collection account. {$1400.00} past due XXXX XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$4200.00} Status Collection account. {$4200.00} past due as of XXXX XXXX XXXX  XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$3500.00} Status Collection account. {$3500.00} past due as of XXXX XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$4100.00} Status Collection account. {$4100.00} past due as of XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$6700.00} XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$1200.00} Status Collection account. {$1200.00} past due as of
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax letting them know there is a remark on my credit report that is coming from them that only shows on my FICO score report. They were unable to help remove even with providing the information to them. I asked for a supervisor to resolve my issue and XXXX disconnected my call after telling me I couldn't speak to a supervisor. XXXX  and XXXX  doesn't show this remark and when pulling from XXXX the report is not listed.
Product: Debt collection

On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to XXXX XXXX. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
Product: Mortgage

I am writing to You in regards of My Loan Modification that I have been having issues with for over the past year and a half. The documents sent out by Flagstar Bank have had incorrect Maiden name on notary paperwork so we could not proceed. The next batch had incorrect name on the Deed of the home so We could not proceed. The last modification has a XXXX XXXX added since it was not on the original, another error by Flagstar. My initial rate was XXXX XXXX and now They want Me to sign docs@ XXXX XXXX. I am requesting that Flagstar Bank keeps the original terms@ XXXX XXXX due to many technical errors on Their end and XXXX years to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion to verify a account thats is reporting to my credit that does not belong to me I show them prof that the social security number it different and also ask they them to verify and remove the account they sent me a letter stating that the account is not on my report when the account is showing up on my report I want this account deleted immediately the account is XXXX XXXX XXXX reporting a balance of XXXX this account has effective me in so many ways
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

When logging into my account on a new device on XX/XX/2020, I was prompted to choose where I would like my security code sent. While I have never provided a phone number to Synchrony for this purpose, it displayed 3 partial phone numbers, 2 of which definitely did not belong to me. One appeared to be my current cellphone number, but the other 2 numbers are not mine and I wasn't sure where they came from. 

I contacted Synchrony on XX/XX/2020 about this issue and they said they had no control over them and they " use a 3rd party database that matches phone numbers to you ''. I find this an unacceptable and clearly unreliable way to provide security codes for personal bank accounts.
Product: Credit reporting

My credit is not being resolve and not all on same page with all XXXXbureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used experian for a long time to freeze my credit. I even have the same pin for years. 

I Sent certified mail to experian to un freeze my credit because they would not recognize my pin # they send to me. I sent all my identification as requested. 

I even sent a 2nd letter asking again to unfreeze my credit again with the same identification. This time to permanently unfreeze. 

I pull credit reports for my business and can not even use XXXX for my applications because my credit is frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

To Whom This May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original promissory note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a major discrepancy being reported on my criminal record! I have NEVER been arrested for  XXXX  and the name on the report is pertaining to someone named,  XXXX    XXXX    XXXX !!! I have asked this to be corrected previously with no luck.     Search ID #  XXXX . Please correct ASAP!
Product: Mortgage

I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Late Payments listed on my Credit Report, below is the company information. 

XXXX XXXX XXXX XXXX : XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.