23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving repeated calls from Portfolio Recovery Services. I have, on several occasions, verified myself and ask that all correspondence be sent to me in writing. I have explained to them that I suffer with XXXX XXXX and that the numerous calls are making me have XXXX XXXX. However, I am receiving multiple calls from them still. I have not received anything by mail as requested. They contact me all hours throughout the day, even when I explain I am at work and try to use scare tactics to keep me on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had excellent credit fico  XXXX i changed my due dates, that is aok to do! 
credit agencies dropped my score XXXX points the account is paid as agreed the balance rode an extra week because due date change you mess wimy insurance rates. 
the agency is fraudulent with your report that my credit worthiness dropped. FIX IT
Product: Credit reporting or other personal consumer reports

XXXX is the only agency who holds power over a false 30 day reported payment from Vanderbilt Mortgage. Paid in full XX/XX/XXXX which was alone late showing late XX/XX/XXXX. This account status needs changed to paid in full close never late. XXXX is the only agency who is scamming the American people I have perfect payment history yet companies like XXXX can ruin your life and marriage
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have disputed the balance on a Synchrony bank/paypal account several times. Only to find out that the fraud department only has record of two. So this means the customer service department is not following through with consumer fraud complaints. I disputed the balance on several occasions. Only to have one of the disputes that finally was addressed to be denied because the  account received payments in the past. I was advised to continue paying the account while the account was being investigated by paypal. I have since stopped because the issue was never resolved. Now instead of fixing the issue, Synchronybank has taken up the account and has ruined my credit score. They are constantly reporting the account closed and then open. They  have closed my XXXX account ( also owned by Synchrony ) even though the card was never late and paid off. They are changing the past due from 90 days to 30 days. Then back to 60 days past due. This reporting has caused my score to drop over 70 points. The account was disputed 3 times in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I call customer service, I am told not to pay on the account as it is under investigation but while it's under investigation Synchrony is still  reporting negative remarks on my account.
Product: Debt collection

I received random phone calls from the phone number : XXXX stating they were National Credit Adjusters and that I owed them {$500.00} for a online loan on XX/XX/2019. 
They were demanding payment from me and wanted me to verify my bank information. 
Also wanted me to email them information to them at XXXX XXXX
Product: Credit reporting or other personal consumer reports

a XXXX XXXX XXXXXXXX card was open in my name recently that was not done by me. 
i reported to credit burea and also the company itself. i was told it would be closed experian says it will remain beccause the investigation shows it is accurate. i did not open a XXXX XXXX XXXX card this is not my card.. 

do they need to share why they beleive it was opened by me? 

I want this card removed from my credit it is fraudlent and not of my doing
Product: Debt collection

I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Diversified Adjustment Service , Inc # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.
Product: Debt collection

In XX/XX/XXXX, a debt was settled on my behalf by a debt settlement company to pay off a loan owed to Rise credit. All payments were made in accordance with the agreement as of XX/XX/XXXX. I recently received a notice by email from Rise credit informing me that my debt was about to be sold. I was surprised as all payments had already been made to settle the account. 
On XX/XX/XXXX and XX/XX/XXXX, I reached out to Rise credit confirming my account had been settled and sent copy of the payments made alongside the settlement agreement however, I did not receive a response. I received another email on XX/XX/XXXX informing me that my debt had been sold to a collection company. I have since been contacted by the collection company to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/unauthorized inquiry off my account from XXXX  of XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE XXXX BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  card is not showing on my Experian credit report in which I have 2 accounts with XXXX XXXX XXXX Cards Ending : XXXX & XXXX not reporting on my Experian credit report.
Product: Mortgage

PHH mortgage, soon to be rebranded XXXX, requires a Terms and Conditions check box agreement every time I log into my account. The document is XXXX words of text that should not need to be reviewed every time I log into the online account. Once a year with any changes highlighted along with notification of changes made seems more appropriate. If I log into my account 15 times in a year I will need to first agree to the extremely large and detailed Terms and Conditions each of the 15 login times. This seems excessive and leaves me open to fraud should they choose to change the Terms and Conditions and I miss their updates by because of need to re-read the document 15 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX A XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My Father Co-signed onto my student loans with Wells Fargo in XX/XX/XXXX, but was demoted with the IRS soon afterwards. My student loans went into repayment in XX/XX/XXXX and he was unable to assist me paying the loan, and I hadnt found a job out of college yet. We tried to consolidate and get a lower modified payment and they denied us both options siting high income between the both of us. I do not think they took into account we both have bills like vehicles and credit cards to pay off also. Plus my father accumulated legal fees fighting his demotion with the IRS. I believe Wells Fargo is denying us any reasonable payments to the student loans. I currently pay XXXX $ monthly on a XXXX $ a year income ( before taxes ) I have federal student loans also and a auto loan and credit cards. I need some relief on the XXXX before my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF ED/XXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now Transunioun, XXXX and XXXX continue to report a discharged zero balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue.

Despite all these efforts, XXXX  and Equifax still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.
Product: Credit reporting or other personal consumer reports

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

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You 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.

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 provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

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 617 ) 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 US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 16921 XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

5. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my XXXX XXXX account today. This has been going on a few months now.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$9600.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfers

Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. 
" This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked inaccurate. The first one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a federally protected consumer and Resurgence Legal Group PC has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Debt collection

My issue was with XXXX XXXX ( XXXX XXXX XXXX   ) They reported 10 year old debt on my credit report and when I called them refused to answer any questions about why they reported it illegally. I've disputed their report through XXXX   and am reporting them now to make sure they don't attempt to trick anyone else with a false report.