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

Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

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

Dear ..., I am forced to contact you directly as I am victim of Identity theft, recently I saw my report nd I got shocked. There is an account that I do not recognize absolutely I guess somebody used my personal information, or its an error however I want you to delete it from my report as I can not move on in my life. Please check and this information and come back to me shortly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to remove an delete all inaccurate information that is listed on my files to clear my report. this has been an on going issue that needs to be resolved asap. checking all the data this is holding my file back from being clear. please review an delete all errors to help my credit report asap.
Product: Credit card or prepaid card

Hello On XX/XX/2019 I purchased a product from a merchant that was not what I received. Upon learning the product was not what I had purchased I contacted the merchant directly to the best of my ability. The merchant did very little to respond to my inquiries for a refund and constantly changed the email address they wanted questions directed to. 

After being unable to work with the merchant directly I began the dispute process with my credit card issuer by notifying them via email and then by mailing in my dispute at the end of XXXX. 

I was hoping to leverage the Fair Credit Billing Act to help me resolve this dispute. If the merchant sends you a different product than what you ordered it may be subject to a charge back. 

The product I purchased on XX/XX/2019 is not what I was being given 1 month later. 

The merchant eventually did release a generic statement and " partial refund '' but still refused to work with me on a full refund stating their no returns/refunds policy. 

While this policy is valid I still feel I am to be protected under the Fair Credit Billing Act as I did NOT receive the product I ordered. 

Had I known of the changes that would take place one month later I would not have purchased this product. 

My credit card issuer is stating the no refund policy overrides the Fair Credit Billing Act even though I did not receive what I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).
Product: Debt collection

Company placed alleged account for collections on my credit report. I never received any mail or notice. I was not notified and allotted the proper information in order to verify or dispute.
Product: Checking or savings account

I have made numerous requests to have the addresses changed on all the accounts for my wife and I. The representatives have repeatedly neglected to make the address changes correctly that in turn has had statements and personal information exposed exposed to inaccurate addresses. I began calling customer service XX/XX/23 at XXXX am and was cold transferred to various XXXX where the address changes were unable to be completed in a timely nature because the online system would not recognize a new construction address. After 3 hours of being rerouted I was left with one last investment account address change where this request took over an hour totaling the entire experience to over 3 hours to change an address.
Product: Debt collection

This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months. 

I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit. 

I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved. 

I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible? 

I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.
Product: Credit card

I have a CITI Diamond Preferred Card and was given an {$1800.00} credit limit. I have never paid late, managed my credit limit responsibly. I make over $ XXXX annually and have more than enough resources to pay the obligations on this card. About 2 months ago I receive a notice from CITI indicating that my credit line was being reduced. I did not agree with the this decision and called to complain. My credit line was reinstated and I was told that I should not have this issue again. On XX/XX/2016, I received an email indicating that once again, my credit limit was being reduced. I called again to complain and they submitted my claim for reinstatement. This request was denied. There is no reason for CITI to be doing this since I have paid my account in full almost every month and have not given them any indicators that I would be a non-pay risk
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Equifax - their web site said my report wasn't available. I called, a male representative verified my information, and said to order my Credit Report again via XXXX  ( which I had already used ). So, I started it all over again, and it did the same thing ( my report wasn't available ) and to fill out a .pdf form, add copies of various personal information, mail it in, and I would get my report in 15 days. I decided to called the number on the .pdf form to find out why it wasn't giving me immediate access to my report. A very friendly lady asked me to verify my information again, and said " that's fine, but we still have to mail it to you and it will take 15 days ''. So, that is the way I left it, even though I needed the report immediately. There was absolutely no reason for my report to " not be available ''.
Product: Mortgage

For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. 
I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. 
On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. 
I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.
Product: Credit reporting or other personal consumer reports

I signed up for credit repair service with Lexington Law LLC ( https : //www.lexingtonlaw.com ) and experienced a significant lack of results. I attempted to cancel the service unsuccessfully multiple times. Due to slim office working hours I have been having difficult time reaching them and upon trying to cancel my services with them they met me with hostility and told me that I still owe them another full month 's worth of service fees for doing nothing. None of the items that were disputed on my credit had positive outcomes that I can tell. And the outcome that did have the most impact was paying my bills on time, which had nothing to do with anything Lexington Laws interventions.
Product: Credit reporting or other personal consumer reports

I appreciate your prompt attention to my previous request regarding the removal of a fraudulent inquiry from my credit file. However, I've identified there were still remaining discrepancies that require immediate resolution. I am a victim of identity theft, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I kindly request the removal of the following items within four business days from XX/XX/XXXX : *****XXXX***** XXXX XXXX XXXX  # XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. And additional discrepancies were newly found in the XXXX and TransUnion reports : XXXX XXXX XXXX XXXX XXXX, TN XXXX *****TRANSUNION***** XXXX XXXX XXXX. These discrepancies were not present in other bureaus, and I doubt the accuracy of the reported information. I have enclosed the relevant information, including another FTC Report ( # XXXX ) and a letter addressing the TransUnion report issue. My attorney is aware of my intentions, and we are prepared to take legal action if these issues persist.
Product: Student loan

Well the interest is ridiculous my loan amount jump to an extremely high amount not sure how. Tried to talk to someone they were rude and not helpful. I have over XXXX in loans and no degree because school says I ran out of money how is this even possible with no degree at the end and can't afford to take anymore classes. I'm a XXXX and there are no forms of forgiveness for me.
Product: Debt collection

I was contacted by XXXX. of XXXX, Georgia about a debt owed to XXXX XXXX. They threatened to sue me if I didn't make a large payment immediately. A lawyer called me from XXXX, Alaska and threatened a lawsuit. The account number on their paperwork was different than the XXXX XXXXXXXX account number. I didn't catch this until Midland Credit Management contacted me and told me I owed them money for the same debt. Their account number matches my old XXXX XXXX credit card number. So as it stands now I may have to pay for the same debt twice. The phone number for XXXX. is XXXX. The file number is XXXX. All their contact information is in the attachments.
Product: Debt collection

Have NOT RECEIVED A 1099c from Either Company Santander Consumer US A out of XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The OTHER is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE # XXXX. These COMPANIES have Charged the DEBT OFF AS A PROFIT OR LOSS AS PER MY CREDIT BUREAUS. SANTANDER CONSUMER USA {$19000.00} & ADVANCIAL FCU {$35000.00}. Under the IRS Utilizing Form 2111 FAILING to SEND THE CONSUMER A 1099c for CANCELLATION OF DEBT. Please REMOVE THESE FROM MY CREDIT BUREAUS IMMEDIATELY, otherwise Im ABOUT TO SUE THESE COMPANIES FOR STATUTORY DAMAGES under the FCRA While STILL CLAIMING I OWE THIS DEBT this is FRAUD. Thank You
Product: Credit reporting

I submitted a letter to the XXXX County XXXX in Michigan disputing a report of a tax lien that has been reported on my credit file. I requested validation of this debt and the clerks office sent back a letter stating they did not report this information to the credit bureau. I in turned sent a copy of the letter from XXXX to Transunion to have the tax lien removed. As of this date, nothing has been deleted. I advised Transunion of as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). Transunion communicated that this debt has been validated but did not show me how it was validated, they did not send a signature or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXX*Account Number : ** XXXX
Product: Checking or savings account

Both my Company and personal accounts were totally cleared out with a " order '' rhat was not signed by a Judge or ordered by a court. 

IThe " request to Levy '' was completed by a Attornet and recorded by the Court as " Received ''. Chase Bank froze our funds asnd sent to our creditor without Court orders.

I took copies to the branch and spoke with Chase bank legal and showed them the paperwork. Also called the Clerk of the court on speaker any varified no order had been approved.

Two weeks later, Chase maintains they did what was correct, when in fact they acted too quickly. Our Attorney was settleing the debt.

Now our IRS Payment was returned, payroll, ect. IRS Deposit was taken and escrow account was taken.
Product: Debt collection

i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday
Product: Mortgage

Reached out to Wells Fargo who was supposed to submit a dispute to the credit agency pertaining to the incorrect reporting to my credit report. My credit dropped XXXX points due to increase balance of {$770.00} on my mortgage account which is an error.
Product: Credit reporting or other personal consumer reports

Received a credit report with unauthorized credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 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 FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXX  XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$17000.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020, I noticed a medical collection account was added to my XXXX  credit report. The collection account shows as Healthcare Receivables Group on my credit report with the original creditor shown as XXXX XXXX Hospital. I did not receive any written notice or communication about this debit nor any written communication that the debt would be placed on credit report. I had been making {$25.00} payments monthly, sometimes more so I did not understand why the debt was now a collection. Once I noticed the collection account, I contacted XXXX XXXX to find out why the account was now a collection, I was told there was nothing they could do.
Product: Checking or savings account

So what happened is this order was made with my account which I never did but it doesn't show up on my banking transactions so when I ask the bank to show me where this transaction is they can't provide that which is really weird and it says it's not you it's not even in my name you know this transaction so how it and there's a guarantee that this bank is supposed to replace my money if it's not made by me which I have shown multiple times that it wasn't, and I have not received my order from XXXX why is that