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

I have several addressed listed on my credit report that is inaccurate, I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXX. I have attached my driver license to show my address.Please remove all of the following addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was unaware of this debt because of identity theft and found out about it as I am trying to purchase a home and this debt is prohibiting me from doing so. 

NCB MANAGMENT SERVICES {$1900.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Subject : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter. 

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

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

I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent ( XXXX XXXX XXXX XXXX -account # XXXX ) ( Direct Credit Control - account XXXX XXXXXXXX ) ( XXXX XXXX Recovery- account XXXX XXXX ), have 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: Debt collection

I've talked with multiple reps on different days over the past few months asking Medicredit to stop calling me back to back and to send me in written what debt they claim I owe however they continue to call me repeatedly without sending me any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified inaccurate late payments showing on my XXXX XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.
Product: Credit card

Citibank has sent me numerous codes to approve account changes.i do not, nor have I ever, had a Citibank account. I contacted them and someone is using my information to try and open or use an account, they would not say which. I have a credit freeze in place with the XXXX credit bureaus since XX/XX/year> requiring my phone number to be contacted to approve credit. I believe this is what happened : the system in place stopped the attempted fraud. Citibank required me to file with you so they could freeze this account. Please advise what I need to do going forward.
Product: Debt collection

XXXX/XXXX  not my account deceased fathers account with same name
Product: Debt collection

XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
Product: Debt collection

There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a response from CFPB that my complaint was sent but they did not respond within 30 days which legally these accounts should be deleted.

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. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX XXXX XXXX XXXX . ) XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : 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 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 or 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. My identity has been constantly involved in data leaks and located in the dark web which XXXX has told me several times. These accounts do not belong to me, I do not trust or deal with credit and now that Im trying to get a mortgage and buy a home for my future family I am unable. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. Social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/year>XXXX  Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX  XXXX  as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

An identity theft account was put into my name without my knowledge with Shellpoint loan servicing account number XXXX.
Product: Credit card or prepaid card

My former company, XXXX XXXX XXXX XXXX XXXX, opened up a credit card in my name when I started working there. The card had my name on it and theres. I didnt want the card, but they insisted I have it for travel expenses. I was unexpectedly laid off from there in XX/XX/2022. Since then, XXXX XXXX has been calling me and writing letters that I owe them over {$3000.00}. I have repeatedly told them I no longer have access to the account and the card was closed by my employer but they wont stop. The card company had a special site for employees to access for card info. However, I can no longer access it. I havent used this card and have no idea what the charges are for. No one at XXXX XXXX  can tell me anything except that I owe them money and have been sent to collections. They are threatening to ruin my credit for a corporate card that I no longer have and havent worked at the company since last year. I called XXXX XXXX and they wont even give me an address to write to someone.
Product: Credit card

I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXXXXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX XXXX  : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Debt collection

My XXXX  XXXX XXXX  was stolen once the police recovered it, I paid to get it out and the bank " Credit Acceptance '' reposed the vehicle is now trying to make me pay for the car but also the person that stop the car did in fact get arrested
Product: Credit reporting or other personal consumer reports

There are two applications in my name, loan application. Please, I want these applications to be deleted, this spoils my record and two applications have already been made to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was wondering why my score keeps going down. Found syncb/care credit showing up saying i owr XXXX. I have never given this company authorization. Written or verbal. They are reporting fraudulently. I would like them off of my credit reports
Product: Credit reporting or other personal consumer reports

Experian, My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

Navient is charging me exorbitant late fees and are paid back by spreading my payments to the late fees only. The prinicpal and interest of the loans are accumulating. As well as the penalties and late fees as I am in repayment. They currently want the whole loan paid in full and will not take less. I make payments but they still report negatively on my credit score impacting my ability to finance. I was defaulted on my loans before I even graduated XXXX. So once I graduated, XX/XX/XXXX, I was in default for non payment of loans whilst still obtaining my higher education. My loans on my credit report state that they stem from XX/XX/XXXX which is a major discrepancy as the loans stem from XX/XX/XXXX-XX/XX/XXXX. They are not reporting on my credit report properly and when I contact them I am hung up on and no return calls are made to me.
Product: Debt collection

I have mailed Equifax a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Equifax a letter stating pursuant to 15 USC 1681b that I have given no such consent for Equifax to host the alledged debt on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XXXXXX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. diversified adjustment I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place
Product: Credit reporting or other personal consumer reports

LexisNexis was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery.

The details LexisNexis is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that tLexisNexis was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of LexisNexis, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow LexisNexis to assert that further identification is required, I will file a lawsuit against LexisNexis and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.
Product: Credit card

I am considering seeking legal help to contact the CEO of Target. I am hoping CFPB could be of some help in resolving my very poor service with Target. 

I still call quite often to check my credit bill and as always make a phone payment because up to XX/XX/XXXX i've always been on time and below my limit. I have not been able to use automated phone payments since the incident of someone creating an online account using my information. So XX/XX/XXXX i called to make a payment. I watched and waited but it did not clear. I don't even know if what i should pay is realistic since i don't see Target on my credit report i thought the account was still under investigation. And i get bills showing overlimit balances. 

The fraudulent charges and payments were apparently reversed. But during that course i've been without means to view or check my account unless i see something in the mail and call. My credit report had an overlimit balance which was not my responsibility bevause of fraud charges. And i am being charged for late fees and interests on a balance that is not correct. 

I made a {$190.00} payment on XX/XX/XXXX which would have brought my account to {$4700.00} That is the last corrected bill i should see. 
Because of investigations and having my account on hold and waiting i did not make another payment until XXXX of {$57.00} after receving a letter. I sent with bills and letters asking for adjusted statement and a proper bill. 

Recently per a XX/XX/XXXX bill i called to make a payment though i know it is incorrect. I paid via phone with a rep on XX/XX/XXXX {$160.00}. By Friday after making sure funds were available all week i called to ask why it was not deducted from my checking and was told i did not have funds and to call my bank. My bank did not see anything from Target. 
I called and found out the rep took my information incorrectly though i know i said the correct account number and it's the same account i've used since paying allll my bills. Then i was told my payment was now over {$400.00}! I could only pay some. I'm being financially abused and i need resolve. 

I'm just trying to keep composure and good credit. I am a single parent and my mother who helps is out of the country to see her sister with progressed XXXX. I take care of XXXX XXXX  and my daughter. I am head of household. I have always been in good standing but i can not keep paying on charges now {$800.00} over my last justified balance. I don't use it since XXXX and i asked for the account to close. 
One representative said it was not closed and another said it was. I was told it was me who made charges and paid my account in full in writing. Not true. I am being treated with utmost disregard and left with this huge horrendous overlimit account with payments i can not afford. 
Please help me get them to write off some of this account as i can only afford a portion. {$2500.00} i could pay in parts. My quality of life has declined and stress this brings is affecting my family and my daughter. I can not afford this with no help. 
Please help. I will attach everything