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

I am writing to formally dispute several inaccuracies on my XXXX credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I am also notifying you that I am a victim of identity theft, which I believe stems from the data breach XXXX experienced. As a result of this breach, my personal information has been compromised, leading to incorrect and fraudulent information being reported on my credit file. 

The following accounts are inaccurately reported as late : XXXX. XXXX XXXX XXXX Past Due Amount : {$370.00} Reported Late : 60 Days XXXX. XXXX XXXX XXXX XXXX XXXX Amount : {$450.00} Reported Late : 90 Days XXXX. XXXX XXXX XXXX XXXX : {$14000.00} Reported XXXX : 30 days XXXX. XXXX XXXX : {$4400.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX XXXX : {$200000.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX : {$32000.00} Reported XXXX days XXXX. XXXX XXXX XXXX {$19000.00} Reported XXXX : 69 days These reports are not only inaccurate but have severely impacted my credit score and ability to secure credit. I believe some of these accounts may have been fraudulently opened or affected due to the compromise of my personal information in the data breach. 

Under the FCRA, you are required to complete your investigation and respond within 30 days. Additionally, as a victim of identity theft, I expect XXXX to take all necessary steps to ensure that my credit report accurately reflects my legitimate credit history and that fraudulent accounts or late payments are removed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN ; I am writing to let you know that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All of the accounts are not mine and I am a victim of identity theft. Please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Product: Credit reporting or other personal consumer reports

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ******** 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXXt Accounts : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to update account balances and update my XXXX score on these two credit card accounts accounts : 1. XXXX XXXX XXXX XXXX   Balance {$100.00}. Reported from creditor on XX/XX/XXXX.

2. XXXX XXXX XXXX XXXX Balance {$470.00}. This account should be reporting and update aroundXX/XX/XXXX. I have had past issues with these accounts not being updated by Transunion on time.
Product: Student loan

Before I graduated in XX/XX/XXXX, I was unable to make any student loan payments. During that time, Navient began capitalizing my interest ; so now my ~ {$40000.00} student loan is {$87000.00} ( it was more, but I've paid some of it down ). When I make payments, the majority of my payments go mostly, if not all, to interest ; so my principal hardly ever goes down. While I was a graduate student, Navient called me incessantly on the phone for me to make payments. I constantly told them I had no income other than a graduate teaching stipend ; they offered to reduce my interest rate to 1 %, which allowed me to make minimum payments. In XX/XX/XXXX, Navient increased my interest rates to between 11 % on some private loans to 14 % on another. Over the last 24 months, I made 37 payments ( 13 more than required ) totaling {$12000.00} ; 15 of those payments of {$6400.00} went solely to interest ; none of the 15 payments reduced my principal. Of my last 15 consecutive payments of {$7600.00}, {$200.00} went to principal while {$7400.00} went to interest. Of those last 15 payments, 9 of the payments of {$5000.00} were applied to interest only ... none of it went to principal. My payment history for the last 24 months, showing 37 payments, is included in this complaint. I called Navient two weeks ago to negotiate a lower interest rate ; I also asked them if I could get these loans refinanced by another company would they reduce the capitalized interest to what it really should be ; the customer service representative told me they only do that if I am in default ; they will not negotiate any lower interest rates or reduced interest costs if I am current on my loan. My loan principal is barely receiving any of the funding I am sending. My monthly minimum loan payment to Navient is {$870.00}. However, many times my minimum loan payment is applied to interest only, so loans I took out when I was XXXX will not be paid off until I am XXXX even though I am sending every paycheck to my student loan providers. According to Navient, my only option is to stop making payments with them to force them to negotiate a better rate, which sounds ridiculous. I am being gouged. How can the CFPB help?
Product: Debt collection

I received a letter from Activate Financial in XX/XX/2021 advising of a debt owed from the original creditor, XXXX XXXX. I responded to the letter within the required 30 days and requested that the company validate the debt. My letter requesting validation was received by Activate Financial on XX/XX/2021 via USPS tracking number XXXX. The company did NOT validate the debt. There was no response to my letter. The company just recently mailed me a settlement letter dated XX/XX/2021. My validation request letter clearly stated that if the company does not validate the debt within 30 days, then all attempts to collect the debt must cease. The settlement letter is against the Fair Debt Collections Practices Act as the company did NOT validate the debt within the required 30 days from when they received validation request letter on XX/XX/2021. I am filing this complaint with the CFPB. I am also pursing the issue legally with an attorney. Documents attached.
Product: Credit card or prepaid card

Citi claims they sent me a card. They have not only NEVER verified any information when opening this account but has NEVER verified any information when calling about this account. At no time has anyone verified any PII with me and XXXX documentation has been provided except the fraud Citi has committed. I never received it but, there are over {$7300.00} in charges that no signed receipts have been provided when requested. This bank does NOT follow compliance. They have failed to provide any evidence on their investigations and have violated the FCRA and XXXX. They have sent me multiple communications, each one with a different name of the collection agency they sold my PII to. Which company actually has my information or is 3 different companies. 

By the way, I've never lived in New Jersey, yet the company they sold my information to illegally changed it which tells me that they're part of an identity theft ring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion which resulted in a negative item being removed from my record. Within days my score dropped XXXX points. I contacted TransUnion and was told that a score would not drop after a negative item was removed. I was told repeatedly that it was due to another item that was reported in 2015. Not only did this explanation make no sense, it states clearly on the credit explanation that my score dropped after the negative item was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, equiafax and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Product: Debt collection

BCG equities llc filed a suit against me, without any prior contact or giving me any knowledge of collections, violating the Fair debt collection practices act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XX/XX/XXXXand I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud XXXX Please provide verification or delete these items : 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

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681c. ( 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX  account number : XXXXXXXXX - XXXX
Product: Credit card

My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.
Product: Checking or savings account

I deposited a federal check and couldn't access my funds for 11 days. They told me that my check was deposited two times when I called the XXXX #, witch made me confused, stress out, at that time I had was buying a Automobile was to give them my down payment. When my bank Chase held my check They almost Void the purchase of the Automobile I gave them my friend blank check to hold. Where I paid an insufishent fund 's because it bounces. I call Chase Corporate office, they still told me I had to still wait. I got frustrated raise a big fuss. The finally I got access to my funds, not in proscribed time of witch it should have been cleared. This took place the month of XX/XX/2017. Caused me a lot of XXXX and stress. I told them I will submit a law suit.
Product: Credit card

I had a secured credit card with this company ( my first ever credit card ) and never was late and eventually was able to transfer it to an unsecured credit card due to good payment history. I took pride in having a great credit score. This card helped me build my credit annd purchase my first home. Unfortunately, One day an unauthorized charge during Covid was made to the card, and that charge exceeded the allowed credit limit. I informed the company and they told me they would send me a NEW card. They sent the card but when I received this card I was unable to activate the card. I call the company and they on the phone informed me the account was closed and a balance was due. I was already going through a hard time as it was. Unfortunately the company ignored all of my attempts of explanation, reasoning and out right did not help me. For almost 2 years ( me disputing this ever chance I get ) they have been reporting a balance owed ruining my personal ability to find housing, obtain transportation or even open new accounts. The company wrote off most of the balance and remains to attempt to collect the other part of the balance. Im tired of this abusive practice by this company. They are not following The Fair Credit Act, they did not attempt to help me at all, they claimed to verify the account is mine but never took responsibility for the unauthorized charge, closed the account while knowing this issue was at hand and never tried to help me with the unauthorized charge which exceeded my allowed credit limit which makes zero logical sense. Then stuck me with the bill and have been ruining my life ( going against I the consumer ) holding me hostage and using abusive tactics. I am being forced to take drastic measures I other wise would not have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
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 XXXX. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.