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

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want the items listed below deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. XXXX, XXXX ( Jefferson Capital Systems ) XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting ( 6 ) months negative. 
This account is not mine. It is in collections and needs to be deleted. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Currently reporting 1 late payment. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting 4 late payments. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account and it is now in collections. This account needs to be deleted. 

5. The addresses below need to be deleted from my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is the proof that I was a victim of the XXXX data breach. The engagement number listed below is proof. 

XXXX DATA BREACH SETTLEMENT Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
FILE A CLAIM For XXXX XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX.
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.
Product: Credit card

My account was closed and I have no idea why. The card had fraud on it and the new card was on the way. They told me they would update the address and send the card to me in the country of XXXX and they closed my account without my request. I want my card reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of buying a home and needed some help with our credit score. We purchased two different accounts from Wholesale Tradelines XXXX XXXX and they were supposed to report on my husband 's credit report by XX/XX/XXXX and XXXX. They have yet to show on his credit report. We paid {$2200.00} for their service. The phone number we had for them is no longer in service. Us as well as our realtor have filed " tickets '' on their website but have not gotten any response. This is not ok ... and I want my money back!!!!!
Product: Debt collection

Portfolio Recovery Associates constantly calls me, from multiple different numbers, while I 'm at work. No voicemails are ever left or any information for me to contact anyone back. Also, when the calls first started, I talked to someone once and I never received a Validation Notice for the debt. I have emailed Portfolio Recovery and told them that I do n't want any more contact by phone and that I want information regarding my account so that I can create an account and make payments on their website, I received no response to the email and received numerous more calls from different phone numbers the very next day.
Product: Student loan

I was contacted by Navient last XXXX and told I was in default on my student loan. I explained I had only recently left college and that I had filed the paperwork for income based repayment. They told me that I had been in default on their loan for over 10 years and that I had never started repayment. Nothing had ever showed up on my credit report concerning this loan and I had never been contacted concerning this loan or the repayment. 
It took me 3 months to finally get them to follow the guidelines for my income based repayment. I started paying them through direct debit in XX/XX/2019. In XX/XX/2019they attempted to take over {$300.00} out of my account with is 6 times what my normal payment is. When I contacted them I was told it was because I hadn't filled out the paperwork for income based repayment. I explained that it was not time for me to file that paperwork again. 
I have had these issues with them repeatedly and I am concerned because I know that a large portion of what I owe them is interest concerning a loan I knew nothing about for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit card

I tried to make an extra {$100.00} payment ( on XXXX, not my scheduled auto payment ) and they used a closed bank account from two years. Charged up return check fee, then closed my account because they use the wrong account. I have not missed any payments. I always pay extra on the card and I hardly ever use it, but they hurt my credit really bad by closing the account and demanding the money for it. I had the same problem with the same company the month prior when they canceled all my auto payments on all my synchrony cards, first they told me it was a computer glitch. Then they told me it was my fault cause I never scheduled all the payments when my history shows that I had auto payments scheduled and been using auto payment for the past year. I am going to pursue any legal options that I might have because I do not think this is a fair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay bill and the young man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call Experian myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information reported on my Equifax credit files and can not access it in order to challenge it as I was affected by the data breach of 2017 and my file is henceforth inaccessible. 

the information contained in the file has numerous grossly inaccurately reported items which have to be investigated and removed, Equifax has this data listed and I need this looked into. 

The accounts that follow are the principal accounts even though their are duplicated accounts from the same companies : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX. account number : xxxxx XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number XXXX XXXX XXXX. account number ( XXXX ) : XXXX XXXX The redacted account numbers are as they appear inside Equifax. 

I have asked them to look into this via Web Mail disputes and have not had the help required. Their are numerous accounts reported in error and I am requesting the right to dispute them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account, This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking to verify as accurate. 
( XXXX XXXX XXXX XXXX XXXX ; Account number : XXXX )
Product: Credit reporting or other personal consumer reports

Experian was notified that I had identify fraud I even provided an FTC report & they are still denying my claim.
Product: Mortgage

My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.
Product: Credit reporting or other personal consumer reports

Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see XXXX, my correct identification information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address. 
Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card : AMEX Gold Delta SkyMiles. 
I haven't received a promised reward which includes a XXXX bonus miles and a {$50.00} statement credit. I have contacted them over 20 times through a live chat since XX/XX/XXXX. 

These are some of the logs that I have. 
XX/XX/XXXX - Amex opened an investigation of the issue. 

XX/XX/XXXX - The representative updated the notes on my account. 

XX/XX/XXXX - The representative told me that the investigation is in progress. I could check the update by next statement on XX/XX/XXXX. 
- The representative told me that the investigation normally takes 6-8 weeks. 
- The representative confirmed that I am qualified for the bonus miles and a credit. 

XX/XX/XXXX - The rep said, " Thanks for waiting, I checked and see the investigation is open and our team is working on it and once it is resolved, you can contact us to know the result for this. '' - The rep mentioned that the investigation was opened on XX/XX/XXXX, instead of XX/XX/XXXX as mentioned earlier. " This investigation was opened on XX/XX/XXXX and takes 6-8 weeks time but in most cases, it is resolved within 1 bill cycle. '' XX/XX/XXXX " The welcome bonus offer credits are not yet released and the case is still under investigation by our dedicated team. it is bit a longer than usual for a case to open as usually a case resolves in maximum 6-8 weeks. '' " Whenever such scenarios are reported, we find the root cause to make sure thinks are correct for all the customers too. '' XX/XX/XXXX - The rep admitted that something is wrong with their system. 
" There was an error, and most of our card member faced this problem. We've received updates from our investigation team and they have most of the account. '' XX/XX/XXXX - The rep mentioned that the issue was already escalated on XX/XX/XXXX. 
" I can see it is already escalated and previous supervisor is already working on it. However once the details are updated we will share the same with you as well. i'd request you to please wait for sometime as now it shouldn't take much time to get investigation done. '' XX/XX/XXXX - No progress " These investigations take time as back team needs to check each and every details about the bonus offer. ''
Product: Checking or savings account

I open a account with navy federal and I have been charged lost of money for over daft fees of XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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: Debt collection

I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred. 
2. 15 USC 1681b Permissible Purpose for Obtaining Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred.

As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately.
Product: Money transfer, virtual currency, or money service

During the week of XX/XX/2024, I was contacted about a housing opportunity. I paid a deposit on XX/XX/XXXX, sending XXXXXXXX XXXX to the account associated with the supposed housing provider. I was already concerned about the opportunity being fraudulent, but the Wise web portal assured me the money had not been transferred yet and so would be retrievable. I would otherwise have cancelled the transfer much earlier. On Sunday, XX/XX/XXXX, I cancelled the transaction with Wise, confident that the money had not been sent and I would be refunded. Their portal said as much. I have now, on XX/XX/XXXX, recieved an email from wise implying that they will not send a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act 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 an account without my written instructions. This is in clear violation of my rights. 
This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verif these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removea and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
ACCOUNTS : 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 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