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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX BARCLAYS BANK DELAWARE # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

Debt was paid off in XX/XX/2021. I called midland funding in XX/XX/2021 and they told me it would be deleted the following month. They have been reporting to my credit report that I still owe the balance in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have disputed the account and they are still saying I owe the balance. Midland Funding, LLC. Is falsely reporting to the credit bureaus.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I attempted to file a dispute made with XXXX on XX/XX/XXXX, a mens XXXX watch ordered and never received. It is now XX/XX/XXXX, item not received. The purchase was disputed in XXXX on or around same date, XX/XX/XXXX, then closed out day after, due to rep at XXXX agreeing to remedy issue with order, since reneged on matter.. Further, item has not arrived. The rep with XXXX, XXXX, attempted to do a bait and switch with item, offering a different model watch for {$150.00} off... I then attempted numerous times to cancel order, texted both XXXX and XXXX to cancel, both refused, XXXX said she could cancel but would result in store credit, then shifted her story saying she can not cancel ... Further, the item was not received, it was supposedly shipped out via XXXX and due to arrive on XX/XX/XXXX, it appears XXXX driver forged signature if there is one, left package where it was lost/stolen .... If reps, XXXX and XXXX cancelled prior, this would not have happened... I called Affirm today to reopen dispute, was told it was closed out again after discovering notes from XXXX saying to close it... I provided Affirm screen shots via email showing my requests to cancel with both XXXX and XXXX, those appear to have been ignored... I attempted to reopen dispute with an XXXX, a supervisor, unable to confirm reopened or not... Complaints have been filed with Attorney General in New York and here in Connecticut against XXXX about this matter, remain unresolved. I request affirm open a dispute, resolve this with Affirm
Product: Debt collection

The collection company, Southern Management System, is saying that I owe them an amount of {$3600.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by Southern Management System is unlawful and they should not be reporting this amount to my credit this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Product: Debt collection

My information was use for somebody else I have proof that I was living in other place
Product: Debt collection

I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.
Product: Checking or savings account

On XXXX, 2024 my entire direct deposit $ XXXX {$920.00} ( XXXX diff amnts ) was transferred to the credit builder acct. after trying to transfer a portion. I was not able to get cash from that acct. I called to have it transferred back into checking and close the credit builder acct. The representative closed credit builder prior to the transfer. Then they said the transfer was not possible and the funds would have to be mailed. I had to wait over 3 wks. to get my funds to find out that nobody would cash the check. I was forced to open an additional checking acct. to get my funds. Also, XX/XX/2024 when I opened chime acct., their accounting was wrong, they took about {$20.00}. I haven't yet closed the acct. due to the fact that I am XXXX and must appear at the social security office to do this. I have a hard time getting around. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been attempting to have my credit information corrected on Equifax, XXXX and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either.

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Product: Prepaid card

We got a {$500.00} gift card from American Express for our wedding in XXXX We tried to use the card at several merchants over the years ( several different hotels under different brands, several online merchants including XXXX ) but it gets declined every time. We can see the balance and the card is active with no expiration. Tried calling American Express and they just offer automated prompts and never allow you to speak to a person on how to rectify. 

Seeing multiple threads online with people having the same issue. Shameful how difficult this is. Please help me access these funds.
Product: Student loan

Good Afternoon. After the complaint placed on XXXX and many phone calls and being on hold today for 2 and half hours with Fed Loan, I have decided to do another complaint. So Fed Loan did upgraded my account to 96 counted payments, but omitted payments that were made on XXXX and XXXX! When I contacted Fed Loan and Spoke to XXXX ID # XXXX she stated that XXXX ( XXXX XXXX XXXX ) is responsible for the miscounted and erroneous information! On XX/XX/XXXX at exactly XXXX p.m., I received a call from XXXX length of call `12 minutes and 14 secs from Fed Loan " specialist ''. The lady was clueless and kept blaming XXXX. Both of the workers from Fed Loan who are labeled as specialist blamed XXXX and stated that my payments, files and information will be send to XXXX for " Payment Count Review '' ... XXXX XXXX also stated that there was a " Payment Count Review '' placed on XX/XX/XXXX! Mind you, I spoke to the Loan Specialist On Monday, XX/XX/XXXX ( so she took ONE WEEK ) to forward the information to XXXX to review counts. Today is XXXX XXXX and NOTHING has been done! I received the same response, We will send information to XXXX for " count review '' ... .Mind you the newly consolidated loans that I have been screenshooting photos of in XXXX are being fully counted and FORGIVEN!!! Why there is not lack of due process is beyond my understanding. To make matter worse, I also received an email on Thursday XXXX XXXX about FED Loan transferring my loans to XXXX XXXX They have time to email, but can't basically count correctly! On a positive note, my counts went up to 94 payments, but unfortunately year XXXX and XXXX were skipped! How does this happens? I do not know, but I want this address. I have been with FED Loan under their consolidation for years and it infuriates me to see newly consolidated loans being forgiven and my account continues to be handle poorly!!! j
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of a data breach and identity theft, and I am requesting that these accounts and inquiries be blocked and permanently deleted from my credit report pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ). 
Please find below the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$650.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1100.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$360.00} XXXX. Bankruptcy XXXX Case Number : XXXX o Date Filed : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$620.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.
Product: Checking or savings account

PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to  Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? 
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.

PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled,  mishandled, and robbery of obsessive nsf funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Product: Credit reporting or other personal consumer reports

Over the past week I tried to set up an online account with Equifax in order to establish a security freeze. I did this easily with XXXX and XXXX. But I tried multiple times to sign up for an account over the past week and each time the website said access was not available. Equifax offered several paid account options, which I was not interested in, and made it difficult to find the free account option for setting up a security freeze. There was no phone number or other method identified on the website for setting up an online account to accomplish this task. It seemed like Equifax is only interested in setting up paid accounts, unlike the other two credit reporting agencies.
Product: Debt collection

SOUTHWEST CREDIT SYS reported a debt for {$140.00}, original creditor was XXXX. 
I don't recognize this debt, we have not worked with this company in about 5 years and the debts were paid in full after services were ended 5 years ago. 
I never received any debt verification for this debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am in disagreement with the closure of the claims I submitted against Transunion, XXXX and XXXX regarding XXXX very inaccurate outdated accounts under my social security number and credit report. I mailed nearly XXXX letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these XXXX credit bureaus. I would like to exercise 15 U.S. Code 1681i ( XXXX ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under XXXX different years ( XXXX and XXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This company can not provide proof of such late payments. How are there XXXX late payments under XXXX, XXXX late payments under XXXX and XXXX late payments under Transunion? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments. 

XXXX XXXX - This account violates the XXXX XXXX or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since XXXX information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).
Product: Credit card

Received a statement via USPS for balance due on a Montgomery Ward credit card ( Account # XXXX ) that I did not open and did not authorize to be opened. 
Contacted the company after filing IdentityTheft.gov report and requested that account be closed. 
Account is still open and while it looks like no other charges can be made, it should a balance due still of {$240.00}.
Product: Debt collection

XXXX aXXXX XXXX XXXX Forged the Deed of Trust to my property on XX/XX/year> without my acknowledgement or Consent. It it unlawful to Generate a deed of trust as a Service Provider in the State of Tennessee without the Consent of the Owner. The Attorney acting on behalf of XXXXhese Company 's have sent threatening letters of foreclosure holding No Original Note and a Cloudy deed of trust that was forged. Rubin Lublin has not Verified or Validated the debt or Provider the Original Creditors Information as Requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & transunion shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$390.00}