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

I was a co-signer on a capital one auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling Capital One auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.
Product: Debt collection

Northland Group XXXX has been calling my home for more than a few months. In the beginning, I answered the phone and no one was there. I called their phone number a few times and left messages. 

The message is that the person who owes the debt, the person they're trying to collect from, hasn't lived here since XX/XX/2020. I told them where she is, her address, and her phone number. 

But every morning, between XXXX they continue to call me. I am not responsible for her debt. I gave them all the information I have so they can contact her at her current residence, but they continue to harass me.
Product: Debt collection

I am writing to dispute the alleged debts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, as I have no knowledge of these debts, nor do I have any contractual or business relationship with XXXX XXXX XXXX or any creditor related to these accounts. 
I previously contacted XXXX XXXX XXXX and requested validation and verification of these alleged debts. However, XXXX XXXX XXXX has failed to provide the requested information. Specifically, I requested the following : 1 Original Contract : A copy of the original contract, signed by all parties involved, which includes the terms and conditions of the agreement that created the alleged debt. This must also include any addendums or riders. 
2 Chain of Ownership : Proof of the chain of ownership for the alleged debts, including evidence of assignment for each change of ownership. This documentation must show an unbroken chain of ownership from the original creditor to the current alleged creditor. 
3 Accrued Fees and Interest : Documentation showing that any interest or fees added to the account are lawful and were agreed upon in the original contract. 
4 Notices Sent : Proof that XXXX XXXX XXXX sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies. This includes copies of the original notices and any tracking information for letters sent. As outlined in the FTC v. XXXX XXXX XXXX case, failure to provide proper notice constitutes a violation of consumer rights and may be considered " debt parking. '' In light of XXXX XXXX XXXX failure to comply with my request for validation and the lack of supporting documentation, I demand that these accounts be immediately removed completely from my credit profile and that no further reporting be made to any consumer reporting agency. 
Please consider this matter a formal dispute. I expect written confirmation that these accounts have been removed and that all necessary documentation has been provided in accordance with the Fair Debt Collection Practices Act. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not open it is closed so this information is wrong please delete from my credit report
Product: Credit reporting

Account " XXXX XXXX '' is not my account and I have no knowledge of this account. I have requested from the credit bureau on several occasions to provide me with their method of investigation and provide me proof that this is my account. All the credit bureau do is send me a letter stating " verified '' without any proof that the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 usc 1666 correct late payments this account was paid in full please update the late payments XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I see multiple violation statements which I strongly to be misleading and misrepresentation of my credit history. 15 USC 1681-XXXX purpose ( didnt provide consent to furnish account/ if I did provide written consent or remove. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item.
Product: Student loan

I graduated in XXXX. I refinanced my loan along with spouse in XXXX with XXXX XXXX. Divorced. Unable to split the loan my ex stopped paying her share I continued to pay. I can not access any information until I speak to a rep and they ask several questions about who I am. The loan primary social is my ex wife 's. Yet they continue to call me and send correspondence to me. 26 years later and still not played off. XXXX left. Unbelievable! She has paid them little, I have paid and get all the grief
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8 ) ( 9 ) ( 10 ) ( 11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692j ( a ) Furnishing deceptive forms to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Experiencing a sudden plummet of XXXX points in my credit score this month due to a reported late payments has left me deeply concerned. It's baffling to encounter such a significant drop, especially when I've diligently managed my finances. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically the 15 USC 1681 section, I firmly believe that there shouldn't be any unwarranted damages on my credit report. It's imperative for me to take immediate action to address this issue, meticulously examining my credit report for inaccuracies and initiating the necessary steps to dispute the erroneous entry. Restoring the integrity of my credit profile is paramount to safeguarding my financial stability and future opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.
Product: Debt collection

Constant repetitive calls to myself and family members. repeatedly asked for them to stop calling other and my place of employment but they constantly reject my requests.
Product: Credit reporting or other personal consumer reports

I put in a dispute directly with the companies fraud department stating that I did not open an account them in my name. Their fraud department researched and confirmed that the account was in fact not mine and fraudulent. This determination was reached in XXXX on my behalf yet they continue to report the account as delinquent on my credit report. They claim that they cant do anything about reporting the account on my credit report.
Product: Checking or savings account

I deposited 3 checks on my chase checking account ... 1 it was for XXXX  XXXX XXXX XXXX {$2.00} check was for chase credit card XXXX {$3.00} check was on my name XXXX ... after 2 days ... my available balance it was XXXX .... I start making payments to XXXX XXXX XXXX XXXX {$20000.00} to chase credit card ... and others pays ... in 2 hours my account was overdraft XXXX .... for more then a month ... I dont have any money and all my direct deposit checks from my company ... goes directly into this checking account ... 
... I start taking money out of my credit cards with higher apr ... just to be able to survive and pay everything on time ... 
called chase several time and no one has an explanation about the error on my account and how the checks got cleared even if they werent made for chase checking account .... I need legal advice and I want to solve this problem before I lose everything ... money, house, credit ... 

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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following fraudulent accounts and information are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to you today to inform you that in the even you choose to not remove the disputed accounts and information, I will be filing a lawsuit. Also, I have sent a dispute letter to the Credit Reporting Agencies with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the removal of the following accounts and information completely from my Credit report : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove that the disputed accounts are mine, I am expecting the deletion of the disputed items completely from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against XXXXXXXX XXXX  on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXXXXXX XXXX XXXX XXXX who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXX XXXXXXXX XXXX on behalf of XXXXXXXX as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for XXXX. 

We hve been repeatedly sued for default judgements because of the tactics XXXXXXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
XXXX has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of XXXX by XXXXXXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXXXXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since XXXX stated they gave XXXX XXXX account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of XXXX which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 22
6.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added to my report without my approval. 

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 XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, XXXX, and Transunion. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. National Credit Adjusters are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management INC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : # XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following infor

mation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another co llector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
matter
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.