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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have asked previously for one main financial to stop calling me repeatedly. They have called me a total of 11 times in the last 3 days. They called me 5 times back to back last night at XXXX in a harassing manner.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).


Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit card or prepaid card

My husbands Capital One card had fradulent charges. Called Capital One and they advised that he get a new card. Then a month goes by and he receives an email that the account is past due. We called Capital One and they said that the account was put on paperless billing, we did not agree to that. So frustrated I told them to send us the rewards credit of about {$300.00}. They said they could not because we owed {$200.00} and they would not apply. I paid the {$200.00} and now they told me I was not allowed to have the rewards credit. I closed the account. Can you help get the {$300.00}? We have been a customer for nearly 20 years.
Product: Credit reporting or other personal consumer reports

I checked my credit report and inaccurate information is there... I went to this school XXXX XXXX  not even a full semester and I see a bunch of loans taken out. I went to the university to clarify what was going on. The Financial Aid officer 's name is XXXX. I do not remember her first name. I approached her and the school officials. Nothing was done. Apparently she took out loans and was using them for her benefit and none of my payments went to the school. I told them to remove all of those loans and nothing I mean nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Rexovery Associates has illegally obtained my credit reports without my verbal or written consent. They have previously done this XX/XX/2022 and again XX/XX/2022, I have no known accounts, nor any communication in regards to any accounts with this company. I am requesting them to please stop obtaining my 3 credit reports from all 3 bureaus without my written consent.
Product: Debt collection

On XX/XX/2020 I received notification from three credit bureaus that I owe a debt to Berlin Wheeler. I have never had any account nor contract with Berlin Wheeler. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. 

I do not owe this alleged debt to Berlin Wheeler or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. Berlin Wheeler has committed several violations of law and has damaged my credit, and my ability to obtain credit in the process. 

I do not owe this debt and this collection account should be removed from all 3 credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

target keeps reporting me to credit agency, I told them I lost my job, plus There is a pandemic going on
Product: Mortgage

They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.
Product: Checking or savings account

WELLS FARGO CONTINUALLY REFUSES TO RETURN MONIES TO MY ACCOUNT THAT DID NOT HAVE MY AUTHORIZATION AND WERENT MINE! THEY CONTINUALLY CHARGE ME THE MOST EGREGIOUS FEES!! THESE INCOMPETENT NEFARIOUS METHODS OF BUSINESS THAT CAUSE ME FINANCIAL CONSEQUENCES!!! RIDICULOUS FEES AND FRAUD and REFUSE TO RETURN MY MONEY FOR YEARS NOW!! THEY STOP MY ACCOUNT WITHOUT EVEN TELLING ME AND LEAVE ME NO ACCESS TO MY OWN MONEY!!! ITS DESPICABLE
Product: Credit card

A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.
Product: Debt collection

This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not correcting and updating my payment history from my Social Security Office account. It shows in collaboration and Ive made payments for the past 6 months to that account. Ive called every month for the past 3 months to Experian to correct issues. They have done nothing.
Product: Student loan

I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/2018, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/2018, they still have not answered me.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX , Illinois XXXX XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Avant On XX/XX/2022. I applied for The Avant credit Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Avant has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX of XXXX 180 days late, XXXX of XXXX 180 days late, XXXX of XXXX 180 days late. 

XXXX shows : XXXX XXXX 120 days late, XXXX XXXX 120 days late, XXXX XXXX  120 days late Transunion shows : XXXX XXXX  120 days late
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by XXXXwo parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights
Product: Mortgage

I need your help I am in some what of negotiation with MR. Cooper but I just found out that they just received {$27000.00} XX/XX/XXXX XXXX They are still asking for {$7300.00} before they take me off the Forclosure list/ Re-enlisted my mortgage. Can you help me?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my bill was due for XXXX dollars I paid the one half and tried to settle a agreement promising to pay the other half plus the next month due with the lender on multiple occasions. And they would not assist me. I was severely impacted by Covid-19. After I explained to them I had a temporary loss of income due to employer cutting back hours and me XXXX XXXX XXXX XXXX XXXXXXXX they gave me this late payment. And now I can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Subject : Dispute of Repossession Account Dear 21st Mortgage Corporation, I am writing to formally dispute the recent repossession of my account with [ Creditor 's Name/Account Number ] and request a thorough review of this matter. I am concerned that there may have been an error or misunderstanding regarding the repossession. 

Account Information : 21st Mortgage Corporation Account Number : XXXX Original Loan/Lease Date : XX/XX/XXXX Vehicle/Item Repossessed : XX/XX/XXXX Dispute Details : I believe the repossession was unjustified due to the following reasons : I have attached relevant documents to support my dispute, including [ copies of payment receipts, correspondence with the creditor, and any other pertinent information ]. 

In accordance with the Fair Debt Collection Practices Act and other relevant regulations, I request that you : Review and Correct : Conduct a thorough review of the account and repossession details, and correct any inaccuracies. 
Provide Documentation : Supply me with any documents or evidence related to the repossession. 
XXXX XXXX Activities : Halt any collection activities related to this account until this dispute is resolved. 
Update Credit Reports : Notify the credit reporting agencies to update or correct any erroneous information related to this repossession. 
Please acknowledge receipt of this letter and inform me of the next steps in this dispute process. I expect a written response within [ reasonable time frame, e.g., 30 days ] as per the guidelines established by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

the debt collector calls my employer XXXX times a day and then he calls all my neighbors and defaming me
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681.

Account name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

In XXXX of this year, we were reported 30 days late on our U.S Bank HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Product: Debt collection

This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX  in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX  until the doctor came to see me. After hours of waiting I finally got XXXX XXXX  enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX  Chase credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXX XXXX, account number XXXX, as reported by your agency. I have recently obtained my credit reports from XXXX, XXXX, and Equifax, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : XXXX : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 Equifax : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

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

Negative mark on credit report. Due to having the same name as my father. His past debt is on my credit report from a collection agency that will not respond to my request to get removed.
Product: Debt collection

I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the XXXX data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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 XXXX 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Cash Store loan was paid. Now they are saying it is not. I am receiving threatening calls to my employer, friends, home, relatives, etc. They are threatening to show up tp my home and employment
Product: Credit card

I applied for a Huntington national bank credit card on XX/XX/2023 and got denied. I have the right to XXXX. Based on the Equal Credit Opportunity act denying access of my credit is discrimination.
Product: Debt collection

portfolio recovery keeps calling me about a debt i owe on credit card they say from over XXXX years ago.i came into some money and paid off everyone i owed if they weren't on my credit report at the time then they didnt get paid.i dont even know if its my account or not as far as i know its not but they call me from all different numbers its annoying and they need to stop calling me.they arent getting anything from me i explained this all ready and yet they continue to call my information was stolen not sure how long ago its hard for me to even do taxes because its a long process so for all i know its fraudulent account its over XXXX years ago i dont remember that long ago what i didnt have or i did have
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.