23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I apparently owe {$2.00} dollars to the XXXX  according to my experian credit report. There should be no reason I owed this. They can not tell me where this is from, and the number provided on experian to contact the creditor is no longer in service. I can not find any information about this {$2.00} from the XXXX  or where to pay it. 

Moreover, this debt only appears on Experian and not on XXXX or XXXX. This leads me to believe that this is an error. 

I have never received any mail/communications about this {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian a certified letter disputing the following inquiries, but still no feedback XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX on behalf of Wells Fargo, contacted by letter dated XX/XX/XXXX, for date of incident XX/XX/XXXX. Reference number : XXXX for a resolution. 

However, XX/XX/XXXX, I was interacting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Financial Officer XXXX XXXX XXXX regarding. an unrelated financial matter with a government state agency and also my Florida state representative for constituency services. The Department of the Treasury operates and maintains systems that are critical to the nation 's financial infrastructure, such as the disbursement of payments to the American public and revenue collection. The Department of the Treasury includes *Managing government accounts and the public debt, * Managing Federal Finances ( Fema ). 

I was interacting with the above before and after XXXX. In XXXX, I also cashed a check at Wells Fargo, location on XXXX XXXX XXXX XXXX, XXXX for the amounts over ten-thousand dollars that was forwarded from the XXXX XXXX XXXX st employee escorted me to me car after the check was cashed. I was told they provide escort to customers that exit the building with cash over ten thousand dollars. 
I am perplexed as to why XXXX on behalf of Wells Fargo reached out for a matter pertaining to XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  IL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of the data breaches which have happened over the last 5 years with XXXX, XXXX, etc. The following listed accounts below were opened without my knowledge, or authority. I was instructed to use the FTC website identitytheft.gov to file identity theft report as the site is classified as a law enforcement agency. Please use this report as a record of the events. I am unaware who used my information nor do I have any information about the data breach or who might have stolen it. The following information is a requirement of FCRA section 605B to assist me in blocking the fraudulent accounts from my report. 



I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Furthermore, each letter is signed and attached with an FTC and Identity Theft, yet the TransUnion credit bureau is still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING? Delete this account ASAP.ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Payday loan, title loan, or personal loan

Ive tried multiple times to get an address to make my final {$240.00} payment and they refuse to give me one. My checking account was closed due to my account information being compromised. 

When I tried to settle the debt with Blue Trust loans, they refused to give me an address to make the final payment. 

They have now sent the information to XXXX XXXX XXXX XXXX and when I voluntarily called them, they were rude and hostile. And I quote " I dont know who you think your talking to but you better think again '' This comment comes after I asked him to explain why there is a discrepency in what I owe and what blue trust is claiming I owe. 

I then asked if this was reported to the credit bureaus as I have just started builing my credit back up. He asked me how I would like to pay the outstanding balance. 

I cant get a straight answer from anyone at either companies, Ive submitted my request for additional information they require within 30 days of the letter they sent in an attempt to collect the debt.
Product: Debt collection

This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters to XXXX, XXXX, experian and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.
Product: Credit card

As a Costco Citi Bank XXXX XXXX customer and business partner please require XXXX Pharmacies to responsibility refund this medication payment in the amount of {$660.00} back to my Costco Citi Bank XXXX XXXX ending XXXX and request their payment through my XXXX XXXX XXXX father in laws XXXXXXXX XXXX. 

On XXXX I attempted to open Costco Citi bank XXXX dispute # XXXX through the on-line application but was redirected to contact customer service via XXXX as a satisfactory description transaction was offered through the website. 

On XXXX via XXXX  I referred to several customer service representatives that could not confirm the correct dispute transaction code through the on-line portal and didn't understand their internal on-line dispute procedure. I was ultimately referred to XXXX, Subject Matter Expert whom coded the dispute transaction as multiple payment method. I explained to her that to my knowledge the merchant had not been paid by multiple sources yet. She acknowledged my concern but as Costco Citi Bank XXXX Subject Matter Expert she filed my dispute as multiple payment methods. This is incorrect as I explained. 

The reason for the dispute as I've explained is XXXX XXXX in XXXX XXXX required me to pay upfront via my Costco Citi Bank XXXX Credit Card for critical, prescribed, proprietary medication while knowing they were the only supplier in possession of this medication in XXXX XXXX, CA. They also knew my XXXX XXXX XXXX father in laws critical need for this medication and him having valid healthcare insurance available for payment of this medication in their system. 

On XXXX Dispute was denied by Costco Citi Bank XXXX.
Product: Student loan

Late XX/XX/XXXX to early XX/XX/XXXX, I was receiving phone calls from Navient regarding that my payments for my student loans were now under delinquency. I had them under deferment period while I was getting my XXXX 's. Navient never once contacted me or my parents through mail, email or phone until after the bill was late by 90 days. I was never informed that my loan payments were due until I received a phone call telling me they were 90 days late. Because of this action on Navient I now have a delinquent account marked on my Credit Report that is inhibiting me from qualifying for loan repayment programs. I have contacted the company regarding the issue, and they are not helpful by any means. Ever since I was informed of my loans to Navient I have been paying over the minimum amount due monthly.
Product: Credit reporting or other personal consumer reports

Hi on XX/XX/2024 I sent a letter to experian regarding a request to investigate anything inaccurate or incorrect and responded back with a stall letter on XX/XX/2024 saying it was not me and from a third party I mailed this from my own house not sure why they think Im a third party when Im trying to fix my own credit trying to get these inaccuracies fixed so I can buy a home car ect
Product: Credit reporting, credit repair services, or other personal consumer reports

I found numerous errors in the XXXX report issued on XXXX XXXX, XXXX : wrong names associated with my personal information ( SSN, DOB, address, etc ). I also found that my unlisted phone number is actually listed in several marketing databases even though registered my phone number with no-call list maintained by Federal Trade Commission. 

I attempted to contact an American representative of XXXX company but after about 20 calls all I was getting was XXXX customer service, and did n't feel comfortable revealing any personal information to them, especially after my identify was stolen 2 years ago, possibly by some overseas customer service representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank declined issuing me a credit card because EXPERIAN Credit reporting agency erroneously reported my death ( XXXX Bank says 'Experian says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to Experian, XXXX, TX, on XX/XX/2022 ; I also reported the error to XXXX Bank, XXXX, FL. on XX/XX/2022. 

XXXX Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach Experian by phone ( Experian has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but XXXX Bank refuses to use any information other than the credit information provided by Experian. 

Experian reported my death OR the credit reviewing officer at XXXX Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a XXXX Bank credit analyst ). XXXX Bank sez XXXX can do nothing unless Experian corrects the erronous information ; XXXX Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did Experian think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and XXXX Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a verification of debt to Prince Parker and Associates. I also sent a dispute letter to XXXX. Both are attached. Also attached is a screenshot from my credit report showing the incorrect address for this debt collector a debt collector that I have never seen any paperwork from and I have no idea what it is. I can not send them any information without it being returned to me because the address is incorrect that they have listed.
Product: Mortgage

Beginning on XX/XX/XXXX I contacted my mortgage company for assistance during the COVID 19 outbreak. I was told there would be no assistance for me. My original hardship was the passing of my parents and then the pandemic curtailed my income. I was told that the loan had had the maximum of modifications allowed and could not get anymore. I asked for a copy of the modifications they said I received modifications in XXXX, XXXX and XXXX. My father passed in XXXX and my memory recalls a short sale approval but not a modification. I have been asking for copies of the modifications and the " ticket has been open '' since XXXX, XXXX and still can not get a copy. Also, I have been explaining that I need pandemic assistance and not only did my lender tell me no, they have been moving forward with the foreclosure case, docket attached in the document area of this complaint. Also, I have been attempting to get this loan in my name as it is still in my deceased mother 's name but they have told me I need a modification to do so and they are stating I had three but will not send them to me or prove it in anyway. I am asking for proof of all modifications, some assistance with COVID and a stalling of my foreclosure case so that I may not be homeless during a pandemic. The request for assistance was made in XXXX and the docket shows they are still trying to sell the home.
Product: Debt collection

I had issues regaining access to my account after Barclays Bank took over managing the XXXX XXXX Credit Card. On several occasions, I requested a new card to be sent as I had not received the new card, and I was unable to access my online account without it. On the final occasion, I requested to pay my account off entirely and provided payment information. Unfortunately, the agent still left a small balance on the account, which I was unaware of until the account had been put into collections. I did not receive any type of notice regarding a past due balance, nor did receive notice of an attempt to collect a debt. 

Though they were polite and apologetic, I did not find the customer service team to be helpful in resolving the issue quickly, as I was informed that the only way of filing a dispute would be by mail or fax, which is clearly false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX   XXXX  IN THE AMOUNT OF {$410.00} XXXX   XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting your assistance in the verification of the removal of the disputed data from my credit report I feel that this account are adversely affecting my credit report and costing me thousands of dollars this year. This is not a regular dispute and I have also filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I would like my problem fixed. The process has already done enough damage and I would like this issue fixed at once.I have sent not one but two letters without any proper indication of results. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly Please send an updated credit report as proof that these items have been removed.I also had several unauthorized names and addresses on my credit report that needs to be now. I am hoping you will resolve this matter without the need for unnecessary complaints and litigation. Thank you for your attention to this concern.
Product: Mortgage

On Monday, XX/XX/year>, I spoke with a representative from Shellpoint Mortgaging Service about loss mitigation options for my loan. We discussed that my account would be approved for a forbearance, and that I would need give verbal permissions over the phone. So, we scheduled a phone call for today, XX/XX/year>, at XXXX for me to do so. It is now XXXX and I have not received the phone call as scheduled. This is the fourth time I have attempted to resolve the issue with my loan and to obtain protection from foreclosure, only to have Shellpoint fail to communicate in the time promised or agreed upon.