23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I received an initial communication from National Credit Systems stating that a debt was owed. 

On XX/XX/2021 I requested, via certified mail, a validation of that debt also asking that they verify that they are legally authorized to collect on that debt. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that I haven't made a suitable arrangement to resolve this debt. Violating the FCRA On XX/XX/2021 I sent a follow up letter, via certified mail, because I had not received validation or verification. On this date National Credit Systemts effectively violatined Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

On XX/XX/2021 I received communication stating that they haven't received information to validate my dispute. 

On XX/XX/2021 I send a follow up letter to the correspondence I received on XX/XX/2021 to provide National credit Systems with further information to " validate my dispute ''. 

On XX/XX/2021 A collection was reported on my account in further violation of the FCRA. 

To this date I have not received proper notification that its a valid debt.
Product: Credit card

I saw a charged on my capital one card that I did not authorized. I called capital one and notified them I did not authorized this charge from XXXX XXXX  A fraud was put in and an investigation was started. I received a letter on XXXX XXXX stating a new card was mailed to me and to make sure I activate it when I receive it and destroy the old card. I have not received a new card to activate. I called capital one on the XXXX of XXXX to let them know I have not received the new card. The person XXXX said it was mailed call back in a day if I have not received the card. I called back the next day on the XXXX to let capital know I have not received the new replacement card my payment is due on XX/XX/XXXX I am being showed online that I have a new card I have not activated the new card because I have not received it yet. This agent XXXX was saying to make the payment but I have not received this card. She said it was mailed I asked do she have a tracking on it to see where it is she said no. XXXX have helped me and I am not paying something I have not received. I need help.
Product: Credit reporting or other personal consumer reports

Applied for Loan with Citibank. 
Received letter of denial due to credit report received from XXXX. 
Stating Bankruptcy reported on credit report. 
Contacted both citibank and XXXX. XXXX XXXX after viewing credit report. No Bankruptcy on report. However XXXX did not offer dispute option. 
Citibank request a mailed letter from XXXX. 
Have not resolved with XXXX nor Citibank. 
There are no Bankruptcy on my credit report with all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up from XX/XX/2021 from the initial complaint made by me consumer and the natural person which was delivered certified mail tracking number XXXX which was delivered XX/XX/2021, and as of XX/XX/2021 Transunion still hasn't resolved this situation and is in violation of federally protected consumer laws pursuant 15 usc 1692 and are now criminally and civilly liable. ive sent an notarized follow up affidavit of truth stating fact under penalty of perjury via certified mail tracking number XXXX which ive attached also and if they still do not resolve i will be seeking legal suit
Product: Debt collection

MCM ( Midland Credit ) keeps calling me asking for a person who does not live in my home and who I do not know. I have told them this repeatedly, but they continue to call. The last straw was when they called this morning ( Sunday ). I told the woman that I was reporting them to the CFPB so hopefully this will stop the calls.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. I check my report regularly, but this time I was shocked to see discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the inquiries remained. I'm extremely frustrated and disappointed, and Im requesting that the documents I've provided be thoroughly reviewed so I dont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights XXXX Mortgage service has violated my rights 15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. Employment XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX XXXX Amount : $ XXXX Balance : {$300.00} ( as of 308 days ago ) Account Status : OpenDate Opened : XX/XX/XXXX, XXXX : Secured LoanPayment History : All payments made on timeThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : The balance of {$300.00} is not reflecting the fact that the account has been paid in full. The account should show a XXXX balance to accurately represent the current status.Payment History : The payment history indicates that I have made 100 % of my payments on time, which supports the fact that the loan has been fully repaid. The failure to update the balance undermines the accuracy of my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately update this account to reflect a XXXX balance. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation showing that the balance has been paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX Dear LexisNexis Risk Solutions, I am writing to formally address an urgent issue regarding the unauthorized use of my credit report, specifically under the guidelines of 15 U.S.C. 1681b ( 2 ). It has come to my attention that my credit report has been accessed without my explicit authorization, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The unauthorized information has caused me significant mental and financial stress, leading to substantial inconvenience. If this unauthorized information is not removed promptly from my LexisNexisXX/XX/XXXX. report, I will have no alternative but to pursue monetary relief to compensate for the distress and inconvenience caused by this breach. 

Furthermore, I would like to draw your attention to the lawsuits, XXXX v. XXXX XXXX XXXX. XXXX, as well as lawsuits from XXXX XXXX which underscores the importance of proper investigation and the correction of inaccuracies in consumer reports. This case highlights the critical need for consumer reporting agencies like LexisNexis to ensure that all information is accurate and that unauthorized entries are addressed immediately. 

I kindly request that you confirm the removal of any claims and infractions from my LexisNexis XXXX XXXX report at your earliest convenience. I am eager to resolve this matter swiftly and amicably. Should you require any additional information, please feel free to contact me at the phone number provided above. 

Thank you for your immediate attention to this pressing matter. 

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

Upon Reviewing my consumer report I noticed hard inquiries that i did make nor did approve anyone to pull my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this issue with XXXX on numerous occasions. These collections do not belong to me. Ive never signed any agreement or done any business with this company. The following dates are 

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

I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( XXXX XXXX XXXX XXXX XXXX ) accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.
Product: Checking or savings account

On Sunday XX/XX/2020, my access to my account has been denied abruptly, and with no warning or explanation. 

Its now Friday XX/XX/2020, and still have no access. I have been getting rejected payments for bills on autopay and there is plenty of money in the account.
Product: Credit card or prepaid card

So I have not only got charged a 3 % interest on a balance transfer when the Advertisement and paper work I received stated 0 % for 14 months i have this paper work at home and no way of getting this to the company. 
So i transfered a loan from my bank onto my discover card which they admittedly put on my discover card, but my bank states they have not gotten the payment yet!!! so now I am being charged by my bank interest on a loan still sitting in my account that discover states they paid off! 
I asked discover for a copy of the check sent front an bank so I can send it to my bank and they said they could not do this till after the XXXX which again I am being charged interest on this loan that is sitting on my discover card .... XXXX stated that they sent the check on the XXXX and that it was cashed so i do not see why they could not send me or my back a copy of the check front an back so that we can have it only on the discover card? 
I have spoken to 14 people in regards to the % rate and this transfer and noone can help me. It is very aggravating that they just blow you off ... no reason why they can not help me to me if you put something on someones account and they are asking for copies it should be giving to you. I am the one paying this off!
Product: Checking or savings account

On XX/XX/XXXX, a 360 performance savings account at Capital One was opened with a deposit of {$100000.00} ( received on XX/XX/XXXX ). The funds were withdrawn on XX/XX/XXXX, after being maintained in the account for over three months. Under the promotional code XXXX, a {$1500.00} bonus was expected for keeping the {$100000.00} for three months. However, upon contacting the bank last week, it was clarified that the {$100000.00} had to be maintained during the initial 15-day funding period as well to qualify for the bonus. This requirement was not initially understood as the term " funding period '' seemed to imply only the time needed to deposit the funds. This misunderstanding has led to confusion about the bonus eligibility criteria.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report
Product: Credit card

15 usc 1666b clearly states.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless The information in section 1637b needed to be mailed to me within 21 days which never happened.

Basis of Dispute : 1. Timely Notice : The information in section 1637b was not mailed to me within 21 days.

2. Billing Error : According to 15 U.S.C. 1666 ( b ), I am entitled to dispute billing errors, including charges for which I am not responsible.

3. Disclosure Requirements : Under 15 U.S.C. 1637 ( b ), creditors are required to provide clear and accurate disclosures of finance charges, including late fees. I assert that the late payment fee applied does not meet these requirements due to the timely nature of my payment.

I would like a written confirmation that the late payment charge has been removed from my account.

Please acknowledge receipt of this dispute within the time frame required by law and inform me of the results of your investigation. I appreciate your prompt attention to this matter and expect a resolution within the timeframe outlined by the Fair Credit Billing Act. 
Thank you for your cooperation.
Product: Debt collection

I paid off the car to the original company that is called Gateway One Lending. I paid if off in XX/XX/2017. We sent a check for {$7800.00} XXXX, XXXX 2017. That check was sent by another financer who had financed the car. After, we got a letter from Gateway on XX/XX/2017 that says that the car is paid in Full and the title was sent and the loan was closed. After 2017 Santander Consumer USA sent me a charge for the car and I sent the proof that I did not owe and Santander still did not want to take the account off my credit report, saying that I was missing payments.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up & running. I am not sure if this a mistake as I assume it had be. I have not been able to get help for months but I just remembered I could file a report on here as I feel they not doing they job properly and it is effecting me as a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a replacement social security card in a bad way and ssa.gov uses Equifax to verify identity but Equifax are giving incorrect security questions and answers and when I called Equifax they told me I needed to send them a photo copy of my social security card .... But proceeded to try to sell me access to my equifax account without the photocopy for money. This is fraud. And Equifax are hindering and rendering US government services incapable of providing those services in doing so. I desperately need to cash this income tax return check and I need my social security card to get a photo ID but Equifax are holding me up at the beginning. Please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and i'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. 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
Product: Credit card

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 3 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from 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
Product: Checking or savings account

Between XXXX XXXX on XXXX, my hacker personal device has been forced multiple Factory Resets and data wipes. It has multiple APN 's. I logged onto my TRYIST MOBILE BANKING APP on XXXX to discover my personal XXXX XXXX device I purchased on XXXX, was not recognized. The 2 Step verification page had an unknown phone number listed. I went to the Bank Branch and informed a Bank Clerk. She removed the number immediately without fully exposing The full number. She intended to send a security ticket, but waited until I left the property with my personal device that can hack any electronic system within it's range. I informed her that reporting my hackers results in major breaches of the systems I report on, but they seemed to never touch funds. 

XXXXXXXX  I check my TRUIST ACCOUNT daily notifications show multiple thresholds reached. I see 27 deposits made ranging from $ XXXX {$600.00} dollars into my account. While heading to the bank to understand this activity, manual withdrawal starting occurring. The same Bank Professional is informed and gives me a printout of my activity. It shows ( suspiciously ) XXXX. The period my personal device started Wiping data. My account was receiving and removing funds of over {$3500.00}. I went to the XXXX Police station with the documentation to file a report. 

This was shown as starting XX/XX/XXXXXXXX  and continued the morning of XX/XX/XXXX. I can not do an audit of my account because the data changes after documentation. The TRUIST BANK SYSTEM has been breached.