23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to this company Merchants Adjustment Service pretty much every since this collection has showed up on my credit report via mail and I have not received any feedback whatsoever. I have never received a " debt validation '' letter from them nor have they responded back to me to " verify '' that the debt is actually mine. I have disputed with the Credit Bureaus about this also and they always come back with that the debt is " verified '' without any proof. I have requested documents that include my signature, verifying the debt is mine. The last attempt I made with this company was back in XXXX of 2021 where i sent them a letter via " certified mail '', it was returned signed by someone who i assumes works there but they " neglected '' to put the date that they signed it when clearly they have 30 days to respond. They never responded and today is XX/XX/2021. This collection is damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over half the accounts aren't mine. A woman who I met a few months ago mirrored my phone ever sense I have been getting billed for things that I didn't order accounts that I didn't open. Someone keeps asking for insurance and or buying a new car and buying things online and credit cards.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items 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 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
Product: Debt collection

I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contraction the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX  XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Debt collection

XXXX advised this is not me and I did not sign up for any membership also. They have called me over 10 times in one day demanding money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
Product: Mortgage

I have a lone with access bank for XXXX years, Never been late, we send a check in and it bounced because of issues we had the money at, there was plenty money at the bank. The access bank supposed to redeposit check but they never did, they waited 3 months then they send us the registered mail saying we are in the pre foreclosure mood and instead of XXXX, XXXX they want XXXX dollars, they never gave us prior notices that they want to play all this games and they pushed us to 18.1 % interest rate. Do not know what to do desperately need government regulation help to dial with this criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a new business account with Truist bank. My husband took our dump truck to XXXX to help with XXXX XXXX clean up efforts. We bank with XXXX in Texas and there are no XXXX  in NC. They have a Truist bank near his place so I chose them. 
We deposited our XXXX check on XX/XX/XXXX for XXXX and some change. They said it would be a XXXX hold since the account was new. Fine no problem. They also had a new account special that gave you XXXX if you made a XXXX deposit within XXXX. Which the XXXX was posted to our account. After XXXX  days Our funds were available. 

On the XX/XX/XXXX my husband deposited a XXXX check for XXXX and some change via their app with his phone. The system notified there would be a XXXX  day hold. 

On the XXXX I received a letter from Truist that my account had been frozen due to fraudulent activity and to go to the branch and show XXXX forms of ID to clear it up. 

I went to the bank and provided the information requested on XX/XX/XXXX they called the fraud dept on the letter and they said it would be cleared up on XX/XX/XXXX. 

I have been calling every day since then and everyday they tell me its still being investigated. 

I did receive a call and they told me that the checks I received were counterfeit which is not true because I have deposited checks from the same vendor in my Texas account with no issues. We went to our vendors banks XXXX XXXX and they printed out some paperwork stating the checks had cleared and I sent that in. 

They are still giving me the run around and will not give me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing in response to your notice about an alleged debt : Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next XXXX months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is absolutely incorrect, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. The information listed below is being reported on my consumer reports after several communications with the original creditor and after the party from which this debt was purchased. This third-party debt collector, LVNV Funding LLC has no permission to document information related to any transaction by me as the consumer :
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of late open accounts on my credit report. 

Despite my persistent efforts and numerous requests, the necessary corrections to the late open accounts have not been made. This inaccuracy continues to adversely impact my creditworthiness and financial standing. 

I urge you to prioritize this matter and take immediate action to correct the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. The following accounts should be corrected right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I received a letter from XXXX mentioning that they can't give me better rates because LEXIS NEXIS reported me negatively.

I have approached to Lexis Nexis several times by phone, email, filing the form the require on line and there's absolutely no way to obtain the report they are selling to other companies and affecting me negatively. 
The excuses they give are ridiculous like " the information they have on the system doesn't match my newly Driver 's License updated by the XXXX  XXXX XXXX XXXX XXXXXXXX XXXX or even after confirming my SSN, EMAIL, PERSO AL INFORMATION, ETC. i needed to send a copy of my drivers license wich was rejected mentioning no clear reason. 
I need my XXXX report because the actions of lexis nexis is affecting me financially making me pay more than I should and they are inventing excuses to not send report to me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX  / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my Equifax credit report. I believe this information is inaccurate and warrants immediate correction or removal. Background Impact of Data Breaches : As you are aware, Equifax suffered a significant data breach in 2017, exposing the personal information of over XXXX XXXX consumers, including Social Security numbers, addresses, and birth dates. This breach, along with the most recent industry-wide breaches, raises serious concerns about the integrity of data handling and its impact on credit reporting accuracy. The inaccurate information on my credit report is a result of data compromised during this or subsequent breaches. 

Potential Identity Theft : Due to the data breaches, I am at heightened risk for identity theft and unauthorized credit activities. All and any inaccuracies on my credit report must be thoroughly investigated to determine if they are the result of identity theft. 

Compliance with FCRA and CFPB Regulations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Equifax is obligated to ensure maximum accuracy in credit reporting and to investigate consumer disputes promptly and thoroughly. 
The Consumer Financial Protection Bureau ( CFPB ) enforces consumer protections to ensure that credit reporting agencies uphold their responsibilities under the law. 
Requested Actions In light of the above, I am requesting the following actions : Investigation and Correction : Conduct a full investigation of the disputed item and provide documentation verifying the accuracy of the attached disputed items. 
Immediate Removal : If you are unable to verify the accuracy of the disputed information, remove it from my credit report immediately as required by FCRA 611. 
Security Measures : Detail the steps Equifax is taking to ensure data security and the prevention of unauthorized access or use of consumer information. 

Please provide written confirmation of your receipt of this letter and a resolution to this dispute within XXXX  days, as required by FCRA. You may contact me via the information listed above. 

Thank you for your prompt attention to this matter. I expect compliance with all applicable laws and regulations to ensure a fair and accurate resolution.
Product: Mortgage

I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very difficult to get to a live person at the three credit bureaus, Experian, XX/XX/XXXXand XX/XX/XXXX. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ending in XXXX with XXXX XXXX has been paid off. XXXX XXXX is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from XXXX XXXX validating this account has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information on my credit profile appears to be somewhat misleading and incorrect, thus I am formally asking you to fix it. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be showing any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data provided. Please update this from my file, make any necessary changes, and modify it.