23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an update to my previous report today. Number Not Available. 

I incorrectly stated the time when I stopped processing Credit Cards, I still had done some processing through XXXXXXXX XXXX  XXXX, as I kept advising Client 's to find another CPA. However, after that date I did not process any more credit cards to date XXXX XXXX XXXX. Additionally, I mailed back their Credit Card machine to them. The Credit Card Company charged me through XX/XX/XXXX ( should have stopped in XXXX ). Another Credit Card Company showed up in a later year charging me and I had this stopped through the Bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX submitted a dispute to Equifax regarding an account in collection on my report from XXXX XXXX XXXX in the amount of {$1200.00} that is listed from XX/XX/XXXX originally opened and XX/XX/XXXX last delinquent. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates my debt. Also, Equifax updated my credit report to show that the account was first opened in XX/XX/XXXX, so it appears that I have a new delinquent account recently opened, which has caused my credit score to drop by over XXXX points today. This account does not belong to me, and it is being reported in a derogatory way that is affecting my credit report.
Product: Credit reporting

I was checking my credit report to make sure another issue was cleared up and I noticed this {$3200.00} judgment was listed on my report. The creditors are listed as XXXX XXXX XXXX and XXXX XXXX XXXX. The judgment was expunged from my record and should not be on my report. I 'm attaching the order of expungement from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( Experian, XXXX, XXXX, XXXX XXXX ) to remove the information as well, but all have declined to do so. 
My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF EDXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details XXXX  % paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Debt collection

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.
Product: Student loan

In XXXX I took about a student loan with XXXX XXXX XXXX to cover my XXXX year at the University XXXX XXXX XXXX in XXXX, CA. Before my XXXX year was over, XXXX had notified me that my loan would no longer be serviced through them. My loan was then taken over by National Collegiate Trust, and soon began to be serviced by American Education Services. Since XXXX of XXXX ( 6 months after I graduated from the University XXXX ), I had made payments to fulfill the terms of this loan. 
In XXXX of XXXX, my parents began to the process to file for bankruptcy. My father is also the co-signer for XXXX of my XXXX private loans, including this loan. I found out on XXXX XXXX, XXXX that due the fact that my parents had filed for bankruptcy that my loan that was being serviced through AES auto-defaulted and I needed to contact National Collegiate Trust. I was given a phone number to reach NCT at, however this number was for XXXX a XXXX party debt collection agency. I called XXXX, to find out what the next step was for this issue and they stated that I was not in their database. 

As of right now, my loan is defaulted yet no payments were missed ( with the exception of a 3 month approved financial based hardship deferment ) and I wish/am able to continue to pay this loan and wish to fulfill this financial obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Closed XX/XX/2022 Shows up unpaid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/
Product: Mortgage

I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.
Product: Credit card or prepaid card

On XX/XX/2021, I saw an ad for a US Bank credit card advertising 0 % interest on balance transfers for 20 months. It said it was only for people with credit of 680 or above. I know mine is well over that and I could really use to transfer a {$9000.00} balance card that I have to a low or no interest card to help get it paid down, so I went through the online process and they came back with {$600.00} as my credit limit, after specifically asking me how much I would plan to transfer if approved. Why would anyone bother taking out a credit card for {$600.00}?? They knew my requested balance transfer amount beforehand and " approved '' me for the {$600.00} within seconds. So I immediately called the company to see what kind of mistake was made because I've never been turned down for a card or a loan, I've always had great credit, and I've never been given some joke of an offer like this one. They had no explanation so I told them DO NOT PROCESS this application and DO NOT OPEN AN ACCOUNT in my name. They did anyway. I got the cards in the mail a few days later. I have closed the account but I want this removed from my credit report because of the misleading ad getting me to apply for something that NO ONE in their right mind would apply for had the terms been clear. It was clearly leading consumers to believe they would be given a substantial ( usable ) credit limit as it was for " platinum '' members only.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. EXPERIAN XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the erroneous accounts that I need you to fix and correct as soon as possible XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance {$4800.00} XXXX XXXX XXXXXXXX XXXX  Balance {$8400.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

XX/XX/2019, I bought furniture and the furniture was to big so they took it back to the store. So never received the furniture
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX ( XXXX XXXX is reporting that I owe it {$2400.00}. XXXX claims to have purchased a debt I owed to XXXX XXXX XXXX XXXX. However, every time I request documentation proving that XXXX bought a debt I owe I get nowhere. The letters that XXXX has sent be state that it will not sue me for the debt which is consistent with XXXX not really owning the debt. If XXXX can not prove that it owns a debt I created it should not be reporting that I owe it anything to the credit reporting agencies. Please help. This should not be on my credit report. Thank you
Product: Debt collection

XX/XX/XXXX XXXX, XXXX, XXXX calls multiiple times a day every day one right after the other
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I filed a complaint against XXXX XXXX. On XXXX XXXX, 2017, XXXX XXXX agreed via CFPB ( complaint ID # XXXX ) that they would remove the negative information off all of my credit report. On XXXX XXXX, 2017, I also placed a dispute on Transunion via XXXX XXXX since they were the only credit reporting agency that continued to report XXXX XXXX. Approximately two weeks after that when XXXX XXXX continued to show Transunion reporting XXXX XXXX, I contacted Transunion. the representative claimed that I had not submitted a dispute and that he was going to submit a dispute on my behalf. I explained to the representative that XXXX XXXX agreed per the CFPB that they would delete the tradeline off of my credit reports, that the account has n't been reported on since XXXX XXXX, and every other reporting agency ( XXXX and XXXX ) no longer report this account. On XXXX XXXX, 2017, I received a copy of my credit report dated XXXX XXXX stating that Transunion completed their investigation into my dispute ( dispute number XXXX ). XXXX XXXX is still being reported and no explanation regarding why was provided.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information 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 vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXAccount Number : XXXX
Product: Debt collection

I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.
Product: Credit card

First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes.
Product: Credit card

i have two American express cards that are corporate and business. American express said i had an American express blue card in which i do not have it i have been a victim of fraud with report and people who used my information used it all over country and world open up accounts in my name and utilized one of my bank accounts. American express has targeted me treated me different since i have had the account i have not missed a payment i went from no limit to a limit of XXXX and not able to use my card at all. every time i call i am put on hold transfer provided incorrect or misinformed. i am not treated fairly and treated like a criminal
Product: Checking or savings account

As of 2023 Wells fargo has been attaching a fee to my savings account under the guise of low funds or not meeting transfer requirements. I was unaware and never informed of this change to this account. This account as others were part of wellsfargo scheme whereas wellsfargo used as either fake or accounts that have been aet up for fee collection. Wellsfargo has been found liable for this activity by federal regulators. I've contacted wellsfargo on several occasions to resolve this issue and either have been ignored and wellsfargo has never responded after promising to do so. As a customer of this back over 35 years and a XXXX it is difficult to find resolution to this matter. I'm reporting this as a last refuge to solve this. Thank you
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts
Product: Checking or savings account

My bank only reimbursed me for 60 days. Someone illegal was taking money out of my account for over a year
Product: Credit reporting or other personal consumer reports

I'm submittng this complaint to formally seek relevant advice and assistance to ensure that the data reported on my credit file is completely accurate. I recently obtained a copy of my credit report and believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation of this account : XXXX : XXXX XXXX XXXX Balance : {$7700.00} TRANSUNION : XXXX XXXX XXXX Balance : {$0.00}. There are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.