23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Disputed Information : Balance : {$0.00} ( requires clarification ). 
Status : " In Collections/Charge-off '' with {$0.00} balance is inconsistent. 
Remarks : " Payment after charge off/collection '' and " Purchased by another lender '' unclear and conflicting. 
Account Status : " Derogatory '' does not align with the {$0.00} balance or payment history. 
Payment History : Missing information on worst payment status and history of late payments. 
Dispute Codes XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Claims inaccurate information payment history. 
XXXX : Disputes current account status. 
XXXX : Disputes account remarks. 
Compliance Condition Code : XXXX : Consumer disputes ; investigation in progress. 
Reason for Dispute The reporting of this account contains conflicting and unclear information, which I dispute as follows : The account shows a {$0.00} balance but is still listed as " In Collections/Charge-off '' and " Derogatory. '' This contradiction requires clarification. 

The remarks " Payment after charge off/collection '' and " Purchased by another lender '' lack supporting details. I request proof of payment and evidence of transfer to another lender. 

The payment history is incomplete, with no record of the worst payment status despite being listed as " Derogatory. '' The report states the account was closed on XX/XX/year>, but no details of the resolution ( e.g., settlement or charge-off amount ) are provided. 

Requested Actions Provide complete and verifiable documentation, including : Details of the charge-off or collection process. 
Proof of payment after the charge-off/collection. 
Evidence of the transfer to another lender. 
Correct or delete any inaccurate or unverifiable information from my credit report. 
Update the payment history and account status to accurately reflect the resolved nature of this account.
Product: Debt collection

this compay credit collections service have my personal information i do not have any relationship with them nor any paper work how did they obtain it? 
if so ask them to render these original document for the job. if not its fraud they are on some pass the hot potato business model
Product: Debt collection

Diversified Consultant is a 3rd party collection company for XXXX. This company has been trying to collect debt for over 5 years. This debt has been removed and added to my credit report for years. I have requested the collection company and credits Bureaus for contract with signature and company has failed to do so in numerous times of requesting. I do not want a front of one page falsified statement from them which that have done. My credit report states opened in 2016? I have have XXXX since 2014. The company has not responded to my request and again this has been for years. Thank you for your help. Here is information:DIVERSIFIED CONSULTANT473679XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXXor XXXX XXXX XXXXXXXX, FL XXXX
Product: Debt collection

On XX/XX/2024 I was supposed to receive my Federal Tax Refund of {$3500.00} from my Navy Federal Checking Account. 
XXXX XXXX XXXX Took my ENTIRE Federal Tax Refund without ANY Written consent or warning. I was caught off guard and I would have Settled this Old Debt if it was handed differently. 
I asked Navy Federal to close my Account because at this point they are just XXXX Thieves. They Literally LOCKED ME OUT OF MY ACCOUNT AND SENT ME A CHECK FOR {$5.00}. They are missing the {$3500.00} TAX REFUND CHECK THEY TOOK FROM MY LIFE! I am a Tax paying Citizen and THEY NEVER GAVE me ANY NOTICE that they was taking my ENTIRE TAX RETURN. I just lost my job a week prior. I had NO phone call, email, or ANYTHING in writing saying they were collecting a Debt from a Credit Card closed over a year ago! 
I believe they are OTHER VICTIMS! 
When I called Navy Federal they told me that this is Internal and that I should contact XXXX XXXX XXXX. I called the company and it just rang out. XXXX XXXX XXXX has collected a debt I believe illegally. The credit card I had from Navy Federal has been Closed for over a year. 
I also have had money in and out of the account that they didnt touch. This has ruined me financially recently. I Need my {$3500.00} back!! Navy Federal AND XXXX XXXX XXXX havent sent ANYTHING in writing to let me know they were collecting a Debt. And I am Locked out of my Navy Federal Account. 
I believe they are XXXX and I would NEVER recommend them to anyone.
Product: Credit card

XX/XX/year> someone called chase bank, verbally impersonated me, answered my security questions and successfully and unknown to me closed my credit card account, the Amazon XXXX visa last XXXX card digits XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times over the past four years or so, using different web browsers in different configurations, to access my Experian credit report from https : //www.annualcreditreport.com/. Every time, I get the error message " A condition exists that prevents Experian from being able to accept your request at this time. '' followed by a suggestion to write my request, including SSN, on paper and mail it to them. A quick Internet search reveals that I am FAR from the only one to report this problem. 

Using the same browser configurations, I have been able to retrieve credit reports from XXXX and XXXX quickly and easily. 

I can understand that Experian might have the occasional technical problem with their web application. However, if their application has a bug, they should have long ago fixed it. At this point, I can only describe their failure to provide the service to me that they are required to provide by federal law either willful malfeasance or gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was using Zelle though chase and sent the wrong person money and chase or Zelle couldnt help do anything about it
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Navy Federal Credit Union to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Navy Federal Credit Union did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Navy Federal Credit Union to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.
Product: Student loan

{$12000.00} is wrongfully and erroneously being reported on my Experian credit report. XXXX and XXXX both have removed this incorrect information. By reporting this incorrect information, Experian is causing severe detriment to my credit score.
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate inquiries from my credit report Account name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX  : ( Medical ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Nexis Lexis and never heard anything back. It has now been well over 30 days with no correspondence. 

I am challenging the validity of this alleged bankruptcy Lexis Nexis have listed on my reports.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX  business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take.
Product: Credit card or prepaid card

I was a victim of an internet scam involving my credit cards. This took place for about a month from XXXX, 2019 to XXXX, 2019 I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my amex, XXXX, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 a sales representative from XXXX XXXX came to my home. Myself and my VA caregiver husband were there along with the sales representative XXXX XXXX. We both applied for a loan for solar panels. We were told the interest rate would remain the same and payment would stay the same while electric costs would just rise. I did not sign for this loan. The sales representative filled out information for it in the beginning. That is not my electronic signature. I have communicated multiple times to Dividend that this is a fraudulent loan. Even via XXXX. 
They processed the loan despite me telling them and writing to them that for 1, the item the loan was for was ( and still remains ) not fully installed and 2, I never agreed to nor signed for this loan.
Product: Credit reporting or other personal consumer reports

I applied for a new XXXXXXXX XXXX XXXX XXXX online in XXXX. While I was out of the country, someone intercepted the card and/or the card information, activated the card, and made fraudulent charges ON XX/XX/year>. After many hours on the phone with XXXX, I was able to cancel the card. I received two letters from the XXXX fraud department saying they closed the card due to fraudulent charges, but they still continue to report that I am late on the 'payment '. Letters dated XX/XX/year> and XX/XX/year>.
Product: Checking or savings account

On XX/XX/2020, opened a new checking account in branch location in XXXX, Washington, DC. At time of account opening, a promotional offer was presented to banker who confirmed the account and promotion were successfully opened and applied. Upon gaining access to my online banking on XX/XX/2020, I noticed that the checking account type was not the requested type of account that was asked to be open because the promotional offer only applied to certain account types. Upon realization, I contacted the branch and requested to speak with the banker who opened the account. She was not available, but I left name and call back number. After one week, I had not received a call back so I sent secure message to the general customer service and advised of the aforementioned. Couple days later, I received a response that said the account opening bonus was denied because it is not transferable. I followed up and provided the terms of the offer, which does not speak, in any way shape or form, to the offer being non-transferable. Moreover, it is a publicly available offer posted prominently on the bank 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts and inquiries listed on my credit report. I understand that my credit history is an important factor in determining my financial well-being and I am concerned about the negative impact these items may have on my credit score. 

Firstly, I dispute the charge off account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX I believe that these accounts were inaccurately reported as charged off and I have documentation to prove that I have made payments towards these debts. I am requesting that these charge off accounts be removed from my credit report. 

Secondly, I dispute the inquiries listed for XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not authorize these inquiries and I am concerned about the impact they may have on my credit score. I am requesting that these inquiries be removed from my credit report. 

I understand that under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. I also understand that I have the right to dispute any inaccuracies on my credit report and have them investigated. 

I am emotionally distressed by the inaccurate reporting of these items and the potential negative impact they may have on my financial well-being. I urge you to take immediate action to investigate and correct these errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer. These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :. Secondly, according to 15 USC 1681,. The law clearly states :. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 : XXXXXXXX XXXX XX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 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: Credit card or prepaid card

I have gotten back on my feet from a 3 month medical injury. I have faithfully made payments on my Wells Fargo Credit card throughout this time. Unfortunately, because I was unable to work I had to use my credit card from Wells Fargo for other expenses. Now my payments have gone up to XXXX a month which is okay, but last month I could only afford to make a XXXX payment. They are charging me this month XXXX. This XXXX is : XXXX I was remiss last month plus the XXXX I owe and a XXXX late fee. This is ridiculous because they are charging me double interest as a late fee. Can you help me?
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

Capital One Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.