23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 

Never moved in this apartment I had Inquire but I found another place they still charge me 3 months rent of XXXX $ This debt collector has not provided me proper debt validation for this average debt. Please delete this from my credit report. 


The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX rt by more a consumer to any consumer reporting agency it the pers Never move In this apartment
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and delete any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XX/XX/year>XXXX  As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TRANSUNION several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 Ford Motor Credit x2 XXXX XXXX XXXX x2 XXXX  XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed fraudulent inquiries Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX XXXX Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold.

- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status.

- Balance calculations are not being validated properly
Product: Checking or savings account

On XX/XX/2020, someone in another state bought a XXXX card and had my current phone number fraudulently transferred to it. From there, they were able to hack into my email and change all my passwords to my financial institutions. One of these involved Citibank. I had a Money Market account and a credit card, both in good standing, with them. They changed my password, logged in under me, opened an account fraudulently, then transferred {$1400.00} from my Money Market account, and did two cash advances ( done online ) for {$800.00} and {$1000.00}, then transferred that to the fraudulent account, then transferred it out of the new account, all within 45 minutes. I have gone back and forth with them since XX/XX/XXXX, and they have denied my fraud claims a couple of times, so I keep having them dispute the denial. They are saying that since my address, phone number, and email are all correct on the fraudulent account, then it wasn't fraud.
Product: Checking or savings account

Account is closed to my knowledge nor do I have access to it, the app or cards. I don't have the phone number or address associated with account. I want it removed from my credit report/closed. I don't wish to have an account now or in the future with Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these debts, somebody stole my personal information and applied for these. However I have not had any accounts with this companies.
Product: Debt collection

1st Class Agency XXXX XXXX XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ; this creditor, Capital One has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also account XXXX was charged off but I never received a XXXX XXXX from Capital One. I have written Capital One in XXXX, XXXX, and XXXX regarding this transaction.
Product: Debt collection

Creditor cant prove the my driver license is accurate its another person face on identification card isnt me please have company show of identification is accurate
Product: Credit reporting or other personal consumer reports

I am an ongoing victim of Identity Theft, first affected in XXXX. My personal information has been compromised since, and I have filed all the required reports and notifications with the police and credit reporting agencies. In XX/XX/XXXX, a fraudulent XXXX XXXX XXXX credit card totaling {$19000.00} was reported as delinquent to my credit files. I immediately contacted XXXX, and shared that the account was unauthorized and identity theft. XXXX said they would investigate and I would receive mail notifying me of the results. In XX/XX/XXXX, after not receiving any correspondences, I called again and sent a formal dispute letter to XXXX. I then contacted the credit bureaus, XXXX, Experian, and XXXX, disputing the account 's validity. Experian and XXXX responded that XXXX verified the account as mine, while XXXX responded the account was unverifiable and removed it from my report immediately. Since, I have gone back and forth with XXXX, Experian and XXXX about this fraudulent/identity theft account without any just resolution of this issue.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is my third complaint against this company. They are now reporting that I paid 2 % of the total debt owed. But they are not reporting any payment history, any amount of payment received, or any dates showing that the payment was paid. These is misrepresentation of payment received, and false reporting of amount paid.These are violations of the Fair Debt Collection Practices Act and a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute a late payment entry on my credit report for the account XXXX  that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me.

3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details. 

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ).

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.
Product: Debt collection

I received a packet in the mail today from Klima, Peter 's, and Daly firm regarding a debt I have no knowledge about. The packet included what appeared to be a fake warrant in debt lawsuit attached. The documents state the original creditor is XXXX XXXX XXXX, and amount owed is XXXX. This debt is not on my credit report. I contacted all 3 credit bureaus, and was advised unable to locate the debt in my file. I am requesting a ceast and desist from the Kilma, Peter 's, and Daly firm. I am not responsible for this debt.
Product: Checking or savings account

Waiting for my bank deposit to hit the bank.

My deposits normally hit every other Thursday at XXXX am. Its been over XXXX, still no deposit. Capital one bank does not have an ETA
Product: Checking or savings account

XX/XX/year> : Upon returning to the XXXX, Plaintiff visited Citibanks branch at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, on XX/XX/year>. During this visit, it was discovered that his account had been compromised, resulting in the theft of {$110000.00}. 

XX/XX/year> : Plaintiff received a denial letter from Citibank, dated XX/XX/year>, stating that the claim was rejected due to a " 30-day notification delay. '' Plaintiff contends that he notified Citibank promptly upon discovery of the fraud. 

Citibank allowed fraudulent check transactions, enabling financial theft and violating federal statutes against bank fraud Citibank failed its duty of care, leading to a loss of {$110000.00} in Plaintiffs account. 
1. XX/XX/year> : Plaintiffs savings account balance : {$100000.00} ; checking account balance : {$9800.00}. 
2. XX/XX/year> : Unauthorized cash withdrawal of {$10000.00}. 
3. XX/XX/XXXX - XX/XX/year> : Frequent fraudulent deposits, withdrawals, and purchases drained the account. 
4. Citibank did not freeze or investigate the account, allowing fraudulent withdrawals to continue. 

Citibanks negligence, failure to notify Plaintiff, and its violations of multiple federal and state banking laws resulted in significant financial losses. Plaintiff asserts that all transactions marked outside the red-lined entries from XX/XX/XXXX to XX/XX/year> ( prior to Plaintiff 's return from XXXX ) were fraudulent, and Citibank failed to meet its duty of care. Plaintiff has never lost any checks or ID documents, yet Citibank allowed unauthorized withdrawals. Plaintiff was denied adequate compensation due to Citibanks unjustified reliance on a 30-day reporting policy Plaintiff respectfully requests : 1. Order Defendants to compensate Plaintiff for all financial losses ; 2. Compensate Plaintiff for damages due to Citibanks gross negligence ; 3. Conduct a thorough investigation into Citibanks practices ; 4. Grant further relief as the Court deems appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

BoA caused me lost tens of credit score because of their fault and refused to offer any solution by perfunctoriness and deceit.

I was a pervious customer with BoA. Two years ago, I decided to close all of accounts ( including credit ). Upon finish of the closure, they said all account will be closed, there was no debt on the accounts and even sent me a check since I still had balance in the saving. 

During the past two year, I noticed some issues on my credit report showing late payments. I doubted it closure. Recently, I had a hard pull showing BoA credit account is not closed but Charged off of {$50.00} since XXXX. I called BoA on XX/XX/XXXX, they told me it was their mistake not notifying me on day of closure and afterward. And they said the {$50.00} is not a late pay, since there were no late payment fee. As soon as I pay them back, it will not appear in my credit report. Then I paid it, but on XX/XX/XXXX, I found my report still has the C/O history. I called back to BoA, and BoA said the history will stay in my report for 7 year because of BoA 's fault!!!
Product: Student loan

I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst
Product: Vehicle loan or lease

The dealership took advantage of my consumer credit and had many fraudulent violations I tried reaching out still no respond I have sent it to them via fax and priority mail still no respond
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have two fraudulent account appearing on my credit report I have attached supporting documentation. 


1. XXXX XXXX XXXX {$220.00} 2. XXXX XXXX XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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
Product: Money transfer, virtual currency, or money service

It all started Sunday XX/XX/2020 when I came across a XXXX resell page on XXXX. After repeatedly being told by the seller that he is a trustable business man and having received what is now deemed to be fake evidence of his customers ( XXXX  ) I decided to make a payment of {$300.00} in order for the seller to know that I was serious about the deal. After the transaction was completed through XXXX around XXXX XXXX on that Sunday morning, the seller said that he would send tracking information after he finished what he had to do. After a few minutes, the seller proceeded to block me on XXXX which deleted all of his messages and my attempt to request a refund on XXXX was declined. I filed a transaction dispute with Bank of America ( declined within 3 days ) as well as XXXX  itself, but they could not resolve the problem when I clearly had all the evidence to show that I was scammed.
Product: Student loan

I submitted XXXX payments to the company separate transaction on the same date to cover my full balance. It went from pending to being processed and received XXXX confirmation numbers via email. XXXX and XXXX now it finished processing however I am not seeing the payment history on the account. The funds were taken and processed from my account and It's impossible to reach and get a response from this company. I made full payment to cover my balance at that but only XXXX payment has been showing and even then it doesn't appear on the history to show when I did it. It's just deducted from my balance. XXXX huge lump sum payment is missing
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, only to find unauthorized inquiries that I cant explain. There were no issues before, but now Im seeing unexpected discrepancies. Refreshing my browser did nothing ; the unauthorized inquiries remained. This is incredibly frustrating, and I want the documents I sent to be reviewed thoroughly and urgently so I can stop worrying about this mess. Please fix it as soon as possible.
Product: Debt collection

I don't recall having a contractual relationship with this collection company PORTFOLIO RECOVERY ASSOCIATES LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

I received XXXX payments as a gift. Capitol one restricted my account and will not let me withdraw my money