23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

" I sent in a letter requesting an investigation of inaccurate items on my credit report. I included a copy of my state issued photo id for identity and address verification and a copy of my XXXX. They sent me back a letter saying it was suspicious and possibly not me. I then called to confirm that it was in fact me that had requested the investigation, and was told by Experian representative that they do not accept dispute letters by mail. To me this is a blatant and intentional violation of FCRA, and they publish an address to send disputes to. ''
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid. 
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit. 

I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX. 

I was denied credit recently because of the negative report. 

I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer. 

I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit. 

This is a willful violation of the FCRA. 

Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems. 

When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.
Product: Credit reporting or other personal consumer reports

Good day, there are errors that you keep on reporting on my credit which is a grave violation of my rights as a consumer. My repeated request to correct these inaccuracies have been consistently ignored and is really frustrating and stressing me out it's taking a toll on my mental health. My applications for new credit keeps getting denied because of your negligence holding back my dream of achieving financial freedom.
Product: Debt collection

Received a Court looking document in a envelope that was from my credit union who holds my mortgage to my old address that is not used by the credit union. Hasnt been for over 2 years. It references a garnishment case ( no number on it ) that does not exist in the superior court system as stated. I have no money in that credit union and they cant garnish social security or government pension. XXXX XXXX  was charged off over two years ago. The unofficial document claims to have been filed with superior court. Which it is not. No case number. No clerk stamp. The signature on the document doesnt belong to any employee at the credit union . I have received other collections statements from collection agencies the claim to try to collect debt for XXXX XXXX but will not provide account details.
Product: Mortgage

Due to late payment I have been advised that I do not qualify for automatic payments. Consequently I now have to log in every month to make a payment otherwise incur a fee by doing so over the phone. I can not once online schedule a payment any further than a month out. If, for example I need to reset password, then links sent do not work and I have to make a call to get it resolved. 
SPS is a terrible company. I have only been dealing with them for a few months since transfer, not at my request or wish from XXXX XXXX, to them. 
It seems to me their priority is to make life difficult for borrowers and encourage practices that make it difficult, not easy, to make payment and therefore instigate late fees, penalties etc. 
As a consumer I think it is a disgrace that mortgages can be transferred without notice and create hassle for the borrower. This should be a seemless process. I am very angry and frustrated that companies behave this way and the fact that the government does not have the will to alter their behaviour.
Product: Money transfer, virtual currency, or money service

My account at coinbase.com is locked and I can not access it. They have thousands of dollars of my funds in their system that I can no longer access. I have contacted customer support for over a month now and gotten no reply.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX at XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquires from my credit report. Transunion told me to list them individually for them to remove them. Please see attached police report.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed chexsystem  report, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts 1.XXXX XXXX XXXX  Account # XXXX XXXX XXXX bank Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are incorrect, I have not given chexsystem permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX  resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Golden Sach is refusing to update all three credit reports.
Product: Credit card

Started XX/XX/XXXX in which an unauthorized payment from my checking account was made on Jcpenny credit card in the amount of {$330.00}. 

On XX/XX/XXXX a miscellaneous adjustment was made on my account in the amount of XXXX and on XX/XX/XXXX a refund check was mailed to me in the amount of {$330.00}. 

These two adjustments were duplicated on my account and my account is now XXXX more than it should be. If the XXXX XXXX is taken off as an owned portion then the calculations would be correct.
Product: Debt collection

Misleading information, deceptive lending practices, abuse from management, no phone calls when promised. So much more
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a mortgage loan. When my credit score was run on XX/XX/XXXX, it showed a derogatory account for a XXXX XXXX XXXX XXXX ( # XXXX ). A balance of {$9300.00} is showing for a student loan that I paid off. It should have a balance of {$0.00}. 

After doing some digging, I discovered that XXXX XXXX XXXX out of Pennsylvania " owned '' this loan and has been attempting to collect on it since XX/XX/2013. 

This loan originated with RBS Citizens. Account # XXXX -- XXXX. I called RBS Citizens Bank 's asset recovery department ( XXXX ). They verified that this loan was in fact paid off. 

Using the app XXXX XXXX, I disputed this account. 

Then on XX/XX/XXXX, I received a letter in the mail from a collection agency called XXXX XXXX XXXX in XXXX, ND ( XXXX ) asking me to pay the balance of {$9300.00} for a XXXX XXXX XXXX XXXX XXXX XXXX, with the account number listed as my social security number. 

I have called repeatedly and left a voice message in an attempt to dispute this with them directly.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The third party consumer reporting agency, XXXX XXXX has REMOVED the alleged bankruptcy off of their files. As you know XXXX XXXX is the company that reported this information to XXXX, XXXX, and Experian. XXXX has found no grounds to hold this erroneous information on my report and they have instructed me to dispute the information with XXXX, Experian And XXXX, however these companies have been lying stating that they have verified this information but the truth is that there is no information to verify because as you can see it is not there, they are falsely verifying wrong information. Please have them remove this information.
Product: Credit reporting or other personal consumer reports

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.XXXX ( {$1900.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. 
PLEASE Remove this Collection off my Credit Report Thank you.
Product: Money transfer, virtual currency, or money service

I called many times and the hurdles they put me through just to delete my account. They did not help and did not delete my account. Account email is XXXX. In Addition to any associated accounts with my name and information. Unfortunately I have no found a solution with this company. 
To close my account and provide proof my information has been deleted under California privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. 



U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I was a very happy XXXX XXXX XXXX account customer who was converted to a Chase account. After the conversion, Chase sent me a letter ( dated XX/XX/year> ) saying that " to better meet my banking needs '' they would be involuntarily upgrading my checking and savings accounts to a higher level of account that would require that I maintain an average daily balance of {$75000.00} in my checking/savings accounts or I would be subject to a XXXX XXXX monthly fee. And quite conveniently, Chase did not include the terms & conditions of both types of accounts ( the from and the to ) so that the reader could compare the features/benefits/fees. It was presented as an involuntary process - a done deal. 

I immediately called Chase customer service to say that I did not want this upgrade and to please stop the process. They assured me that they notated my objection on the account. Later in XXXX, I went into a Chase branch for another service and they asked me about the note on my account. Again, I confirmed with the branch that I did not want this upgrade and they should notate as much on my account. 

In XXXX, I was automatically sent a new Debit/ATM card that was associated with the upgraded checking/savings account that I had informed Chase customer service not XXXX but XXXX that I did not want and would not accept. I looked online, and yes, my account had indeed been upgraded without my consent. 

This automatic upgrade was done without my permission, and is clearly a case of Chase wanting to earn additional fees on the account. Who in their right mind keeps {$75000.00} in their checking account? If my XXXX XXXX ever made a recommendation to do so, I would fire that XXXX XXXX. 

This practice is just as aggregious as the XXXX XXXX cases where representatives were enrolling customers in products and services without their consent. In my case, Chase did exactly that. They auto-enrolled me in a service that had a high likelihood of generating monthly fees for them instead of the free checking that I enjoy today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACCOUNT XXXX  XXXX & XXXXXXXX XXXX XXXX XXXX XXXX have both 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report that I didnt not authorize on all three credit reports I did not authorize none of this on my credit reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

I see inquiries on my report that shouldnt be there & thats effecting a lot on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX. I received letters from XXXX XXXX validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with the TransUnion union. I sent TransUnion all the documentation required to block the accounts that are not mine and were opened by another person/s using my social security via certified mail. After speaking with XXXX, XXXX, and XXXX XXXX I was informed that was not done that I may submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter I received was dated XX/XX/22. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and neither of them could provide me the answer as they are " not allowed to do per Transunion ''. XXXX and XXXX also informed me a credit freeze is the same thing as a block. which is not correct I informed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  The problem si that the XXXX  banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese
Product: Student loan

I wasnt sure which options to pick on the previous screens that matched up with my issue. I currently have a Borrow Defense application that went through and wiped out the few federal loans I had for this school ( XXXX XXXX XXXX XXXX ). XXXX and Navient pushed me towards private as well, {$28000.00} in private loans that were not eligible for Borrow Defense because they were private. I was taken advantage and they never disclosed the difference between the type of loans to my or my parents at that time. The school closed to do fraudulent behaviour and the credits were not legit for transfer etc.
Product: Debt collection

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Product: Mortgage

New American Funding has called me 5 times in the last 2 days about refinancing my home. One the initial call at XXXXXXXX XXXX, yesterday XXXX. I advised the company that I was not interested in consolidating my mortgage at this time. The continued to call : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX I was told on the XXXX XXXX call, my number was in a auto-dialer and would be removed. However, this is a new day and I am still receiving calls from them. I advised the last woman, that even if I would consider a refinance I would never go through there company because of this practice and that I would be reporting the offense.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute several inaccuracies on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section XXXX ( a ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ). The inaccurate information is adversely affecting my creditworthiness and overall financial health. 

According to 15 U.S.C. 1681 Section XXXX ( a ), XXXX has determined that consumer reporting agencies have grave responsibilities to ensure the accuracy and fairness of credit reporting. Additionally, 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) stipulates the permissible purposes for which a consumer report can be furnished, which further supports my right to dispute and correct any erroneous information. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contain inaccurate and potentially fraudulent information. I request that these entries be investigated and rectified as per my rights under the FCRA. Specifically, I ask for : XXXX of the accuracy of the disputed accounts. 
Removal of any information that can not be verified as accurate. 
XXXX notification to all credit reporting agencies to correct and update my credit file. 
Enclosed, you will find copies of my credit report highlighting the disputed items, as well as any supporting documentation I have regarding these accounts. 

Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the integrity and accuracy of my credit report. 

Sincerely,