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

Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation
under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

Happy Holidays ; Please remove this unknown collection account from all the major credit bureaus for failure to provide me the required documents as requested per the laws under FDCPA. A Months ago, I initiated a dispute with the MidlandMCM directly asking for all the documents and disclosure so I can validate the accuracy of this alleged debt, but they failed to provide me ALL the required documents. But after reading several cases online, where the company was sued for a similar situation, and specifically a case of " State of Texas vs. Midland Funding and their other entities and group '', where the plaintiff asked for documents and they failed to provide them. The AG outlined what the plaintiff was asking for and their nature of business. Please see detail below : 9.3 The electronic portfolios of these charged off accounts acquired by Defendants contain limited categories of information about the debt. Typically, Defendants do not acquire the underlying credit agreements, payment history, or statements ( or " media '' ) but retain the right to purchase the documentation from the original creditor at a later date. 9.4 Defendants ' collection activities prefer " efficiency '' and profits over compliance with Texas debt collection laws. Defendants chum out millions of collection letters and millions of telephone calls from its call centers in Arizona, Minnesota and XXXX, often using incomplete and/or inaccurate electronic information purchased from original creditors. Consumers complain Defendants have targeted the wrong person for collection or are attempting to collect debts that have been fully or partially paid or settled. Consumers also complain that Defendants pursue them for collection of old debts for which they do not have any records and are beyond the statute of limitations and credit reporting periods. Defendants ' form collection letters contain very little information about the debt, no supporting documentation, and no proof that ownership of the debt has been transferred to Defendants. When a citizen contacts Defendants to dispute a debt or the amount of the balance owed, or to ask for additional information, little or nothing is done to investigate or verify the legitimacy of the debt. 
9.5 Consumers complain that when they tell Defendants they do not owe the debt Defendants refuse to provide documentation to verify the debt and turn the tables on the consumer to prove the debt is not owed or not owed in the amount alleged. Consumers complain that this practice has resulted in loss of credit rating, inability to refinance their homes, and even loss of job opportunities, in addition to the aggravation of being harassed by a debt collector who refuses to verify the debt. Some consumers pay Defendants just to avoid a false report to the credit reporting agencies or avoid the harassment of a lawsuit. The XXXX XXXX XXXX reports that over 15,000 consumers have filed complaints regarding Defendants ' collection practices.
Product: Credit reporting or other personal consumer reports

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Product: Checking or savings account

Hi chase did a fraud of XXXX on my account and they dont want to refund me the XXXX and its already been over 2 months and i really need this money that they stole from me
Product: Credit reporting or other personal consumer reports

I've recently received my credit report and to my surprise, I've noticed a few inaccurate reports coming from the credit agencies the account name is credit acceptance an auto loan, it stated last active from Trans union was XX/XX/XXXX XXXX is XX/XX/XXXX and XXXX STATED XX/XX/XXXX ALSO TRANS UNION STATED DATE OF LAST PAYMENT WAS XXXX XXXX AND XXXX IS REPORTING XX/XX/XXXX BUT XXXX IS REPORTING LAST PAYMENT AS XX/XX/XXXX THIS INCORRECT REPORTING IS DAMAGED MY CREDIT WITH THIS INACCURATE INFORMATION, ALSO THE PAYMENT HISTORY SURPRISED ME ALSO XX/XX/XXXX and XXXX stated last payment made was XX/XX/XXXX stated also by Trans union date open was XX/XX/XXXX but XXXX stated date open was XX/XX/XXXX, these dates are all over the place incorrectly reporting PLEASE HELP
Product: Debt collection

On XX/XX/XXXX I disputed an account reported by XXXX XXXX ( Original Lender 11 XXXX XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Afni Inc on XX/XX/XXXX under two different account numbers for XXXX   and XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX along with XXXX, XXXX XXXX and Equifax has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit card

I would like to file a complaint against Target XXXX for two issues, not applying payments fast enough and processing auto payments for the account balance yet I have specified to pay off the Statement Balance only.

I have had this issue with Target for years and I've raised the issue with them, but nothing has changed and nothing will change, but it's unfair for them to take money out of my Bank account right away, but I have to wait for over two weeks for my available credit to be updated. 

For example, in the most recent incident, I had a statement balance of {$1500.00} that was due XX/XX/XXXX. On XX/XX/XXXX, I paid {$1200.00} towards my Statement balance, Target took out the funds out of my account right away on XX/XX/XXXX, however my available credit wasn't updated until XX/XX/XXXX or XXXX. And this has always been the case, where they take the money out of my account right away, but the payment is not applied fast enough and I have to wait for over two weeks to be able to use the credit.

Another issue I've had with my Target Credit Card is although I have specified that I want to pay off my Statement Balance monthly, if I make any payments towards the Statement Balance they then draft whatever my account balance is on the payment due date instead of the balance that's remaining on my Statement Balance. 

For example on XX/XX/XXXX, instead of them taking out the {$270.00} that was left of my XXXX XXXX, they took out {$420.00}, which was my full account balance, including balances incurred after the statement cutoff date. I was furious and called them & the explanation I was given is that if one is on auto pay & they make any payments towards their balance prior to the due date, then their system will automatically take out the full account balance. 
This is unacceptable and UNFAIR as I have asked to pay my Statement Balance only and not my full account balance. I asked Target to only keep {$270.00} that was what was due XX/XX/XXXX & refund the difference of {$140.00} as that amount is not due until XX/XX/XXXX. I was told they couldn't put the funds back into my account and that they will send me a check in the mail in about 10 days, and I was okay with that. 

However, I just logged into my Account today and discovered that what Target has done instead is reverse the entire {$420.00} payment they took out on XX/XX/XXXX. I will be LIVID if they charge me any interest or fees for the {$270.00} that was the remaining Statement Balance and due by XX/XX/XXXX. This is too much and Target hasn't been much help at all. I should be able to pay money towards my monthly statement balances without being punished or inconvenienced, please help.
Product: Student loan

My client entered into a repayment agreement with XXXX XXXX XXXX XXXX ( hereinafter referenced as " XXXX '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since XXXX, 2014. However, in more then one and half years, Navient and/or XXXX have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a good credit score, but it being denied a loan because of Navient and/or XXXX misleading credit report.
Product: Checking or savings account

I had an account with Capital One that received several fraudulent charges. I disputed the charges and was refunded the money. I called to close the account and received confirmation from the representative that the account was closed and that the remaining balance would be sent to me. Nothing came to me. 
I just checked into the account that was supposed to be closed. It is not closed. It has been open for several months. They have been charging me fees and using the balance to pay for them. Furthermore, there is a fraudulent charge in the amount of {$310.00} on XX/XX/XXXX.
Product: Debt collection

AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with XXXX. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on XXXX XXXX, XXXX. He refused to listen to me and said I to pay it. XXXX is billing for cancellation of my contract. At the time I cancelled, around XXXX of XXXX, I went into XXXX to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the service but would allow m to cancel. So, I did and went with XXXX. I never got a call or heard anything from XXXX until XXXX. So, I started to dispute their allegations. XXXX is hiding behind this collection agencies and they continue to harass me.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They can not provide me a account number Loan Details * Remaining Loan Balance XXXX XXXXOriginating Loan Amount {$300.00} Original.

Number of Payments 6 APR490.00 % Days Delinquent90Number of Payments Past DueXXXXTotal Past Due Balance XXXX XXXXXXXXPayment Due DateXXXX XXXX, 2024 Previous Payment * Amount XXXX XXXXXXXXPayment DateXXXX XXXX 2024 I have already paid in full, continue to bill me for XXXX. Wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Received denial letter. I have not applied for a loan. called company was transferred to fraud dept at that time they were to busy to assist me. was given direct number received recording to call back. called back and was left hanging on line. I did purchase a car for my son XXXX XXXX but it was paid in cash. I used a XXXX, I do not pay large amounts in cash in case a problem arises like now. We started a loan app but did not complete, decided against having finance charges. I don't have a copy of a loan being submitted to any finance company in that paperwork. I am sending a copy of receipt and letter, which I received XXXX. I only have reference # as the app was denied. # XXXX
Product: Student loan

My loan for the DEPT OF EDUCATION/NELN account with the account number XXXX is reporting inaccurately. The accounts stated below is transferred and closed yet they duplicated the accounts and displayed them as a negative remark on my Credit Report. I was never late in paying these accounts. Since the accounts mentioned below is already closed. I have sent dispute letters to both the Credit Bureaus and the furnisher to remove or correct the items that have been duplicated. But up until now, I did not see any changes. Under FCRA, inaccurate items should be removed and illegal practices should not be tolerated. I have attached all the necessary items to support my speculations. Also, I've put the dates of the account when they were opened. Please address this issue immediately. Thank you DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX Balance XXXX {$2.00} ; 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 XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I had a XXXX cent balance. My OD coverage was off. Regions approved a transaction from XXXX on XX/XX/24 for XXXX which put my account in the negative XXXX and I was charged OD fee on XX/XX/24. I brought the account current and into positive balance on XX/XX/24. The transaction was ultimately refunded by XXXX and that transaction went through XX/XX/24. Regions said that they were allowed to approve it because it was a recurring transaction. That in fact is not recurring. I have reached out several times. I was told to visit a branch to resolve, and when I did the representative that submitted the request literally laughed in my face when I mentioned the settlement by Regions for XXXX XXXX they are to payback for the OD fees they shouldnt have charged. Regions states im not eligible to have fee reimbursed. And to be completely transparent, since they refused to reimburse the fee that should have ever went through I reimbursed myself ) They charged {$36.00}. I turned the OD coverage on. And they approved 5 transactions totaling {$450.00}. Which I have no intentions of paying. regions wants to charge feloniously fess then refuse reimbursement. I can do that too. However im going to be held responsible for that negative balance including all the fees they are going to assess on those transactions. And im good XXXX that. Its okay for them to extort money charging felonious fees. They left me no choice. I recouped what was mine and quadrupled the treble damge ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for mortgage pre-approvals from various lenders. When provided the credit inquiries my Transunion report/score was significantly lower than the other bureaus. After speaking with Transunion the reason was because a collections agency filled a collection for my information/name and that was showing up in my report hurting my credit score. I was able to find the inaccurate information filed was from " XXXX XXXXXXXX XXXX. '' Transunion provided a number to reach them ( XXXX ) but that was incorrect and just connected me with a different agency. Finally Transunion agreed in their dispute that the information filed by XXXX XXXX XXXX was inaccurate so it was removed from my account. I'm glad we have this sorted out now however this should not have been an issue to begin with and I see 2 parties at fault. 1st and foremost XXXX XXXX XXXX should not have any information pertaining to me and absolutely should never have filed a collection that is tied to me in any scenario. This is absurd and unacceptable. After a brief XXXX search it appears this is a common issue for this company and multiple people suffer from the same situation I found myself in. Please look into this and stop this from harming other people/families. Second, being a credit bureau holds a lot of weight and responsibility. Everyone knows the weight and significance a poor or inaccurate credit score can have on a family and/or someones financial future. For Gods sake that could mean a family not getting a home or a dad not getting a job! 
Transunion should be held to a higher standard and it's ridiculous that this could happen and it's on me the consumer to see the error and to dispute it and just wait around for Transunion to fix their mistake. It's obvious the bureaus are a broken system and the idea of companies just " absorbing '' credit information with what seems like very little vetting .... ( I mentioned I'm not the only one this company has hurt credit wise ) is something that should be re-examined and hopefully fixed. With something as important and our credit scores it should NOT be up to me the victim to see the error and reach out to transunion to fix. Fortunately I was able to see it but imagine the hundreds or thousands of people that don't check their credit regularly OR don't realize a 50-100pt ding to their credit score so they don't even reach out. Without question both XXXX XXXX XXXX and Transunion need to be investigated and a solution needs to be created so the victims of both stop with me. Please help!
Product: Debt collection

National Credit Systems , INC Has sent me three notices of debt to an apartment I no longer live at. The first one, I threw away after calling the apartment and they told me it was a scam that many people were calling about. NCS had knocked down my credit score so I reported the late fee as fraud on XXXX. The credit issue was resolved. The second notice I received was on XX/XX/XXXX saying I owed the apartment complex {$210.00} with a resolution offer of {$100.00}. A similar notice was sent again on XX/XX/XXXX.
Product: Debt collection

I filed a dispute with XXXX for 3 separate bills reported from the XXXX XXXX XXXX  South Carolina on XX/XX/2014in the amounts of {$170.00}, {$300.00}, and {$210.00}.

I never received mail or phone calls regarding this debt. I only learned of it through checking my credit score on XXXX XXXX. I filed the dispure because I have no recollection of being treated at this facility or ever even being there for that matter. I asked for some type of documentation that I was at that facility such as a photo ID or anything and they were unable to provide me with anything.

I filed the dispute via mail. These derogatory marks were soon cleared from my XXXX report but have since remained on my XXXX  report more than a year later.
Product: Debt collection

Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.