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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payment to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

I was a customer with Lexington law for a year plus, however the services that was promised was not provided. I did not see a major change in my XXXX XXXX. Payments were taken before services was XXXX. Lexington law current has a class action which my information wasnt found. My last name and address has changed since I was a customer with them. I have some prior bank statements proving I was a client of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file an identity theft claim and have included that file.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, am writing to formally report an incident of identity theft involving unauthorized hard credit inquiries made to my credit report. These unauthorized pulls appear to have occurred between XX/XX/XXXX, and XX/XX/XXXX. 

Unauthorized Hard Credit Pulls : The following unauthorized credit inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX Reason for Belief of Identity Theft : I strongly suspect that my personal information was compromised, leading to these unauthorized credit inquiries. I have not applied for any credit with these companies, nor do I have any legitimate business with them. I believe my sensitive personal data may have been stolen or exposed through some form of fraud, either through a data breach, phishing attack, or another means.

Actions Taken : Contacted Credit Reporting Agencies : I have made direct attempts to contact the credit reporting bureaus ( XXXX, XXXX, and TransUnion ) to dispute these unauthorized hard pulls. Unfortunately, I have not received adequate assistance or resolution.

Identity Theft Protection : I am actively monitoring my credit report and have taken steps to safeguard my personal information, including placing a fraud alert on my credit file.

Despite these steps, the unauthorized credit inquiries remain on my report, and I am requesting that the credit bureaus investigate this matter further, take appropriate action, and remove these fraudulent hard pulls from my report.

Request : I respectfully request that the credit bureaus take immediate action to : Investigate these unauthorized inquiries.

Remove the fraudulent hard pulls from my credit report.

Provide any guidance or steps I should take moving forward to prevent further instances of identity theft.

Please contact me if any further information or documentation is required to assist in resolving this matter. I can be reached at my contact information below. 

Contact Information : Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting

Our family 's information was breached through XXXX. I can not get information for my children 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first attempt on this particular matter concerning incorrect addresses and inquiries being reported. Please view the attached documents for further details. Thank you.
Product: Vehicle loan or lease

Due to COVID-19 I received a 4 month deferment on payments, however I continued to make biweekly payments despite deferment. On XX/XX/2020 the online system and statement showed {$2100.00} as unpaid balance, {$9.00} finance charge and {$570.00} late charges, totaling {$2700.00}. Therefore I paid the {$2700.00}, upon completion of payment a notice appeared stating I would receive information on title tracking. My statement showed I had a XXXX balance due for XX/XX/2020, however I never received any information concerning my title. When I went back online there was a {$580.00} late charge balance showing, therefore I emailed Ally asking them how could I all of a sudden owe {$580.00} after my balance was paid early in full. I contact Ally by phone on XX/XX/2020 @ XXXX central time and spoke with XXXX , who didn't appear to be able to assist me and was frustrating my wife, so I requested to speak with a supervisor. I was conected to Ms. XXXX, I asked if she was a supervisor and she stated she was taking supervisor calls. I explained she could review my statement from XXXX, XXXX and XXXX see that the current {$580.00} late fees had been notated after my balance was paid in full, which was not ethical. The online account now stated I owed {$600.00}. I informed Ms. XXXX I had no choice but to pay the {$600.00} to receive my title or continue having charges added. I told her I would pay the {$600.00} and file a complaint requesting a complete investigation. 
It is unethical and wrong to take advantage of customers because they have no choice but to pay. If those fees were owed the online system would not have recalculated my required payment due to early payoff, and my statement would not state zero balance for XX/XX/2020. Only for {$600.00} to supposedly be owed XX/XX/2020. Modern day theft is what these companies are allowed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX that was done on XX/XX/2023. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY XXXX XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2018, Bank Of America made two ( 2 ) payments without my authorization. 
1. XX/XX/18 Withdraw in the amount of {$700.00} 2. XX/XX/18 Service fee in the amount of {$120.00} Both of these charges were only labeledLegal order When I contacted Bank Of America regarding these charges, they refuse to give me information. The the customer service representative asked me to contact the Bank Of America Legal Department. I have done that and its been several months without a response. 

Bank Of America never gave me notice that they were going to dispersed these funds. Essentially, Bank Of America withdrew money without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX toXX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXXthru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Product: Debt collection

I received a look at my credit reports and there were collections reporting on my credit bureau all of them. I have been flagged for Identity theft and believe I have been as always a victim of identity theft. I have sent out validation letters to these collection companies who stated I owe them and LVNV has not provided complete validation to the collection agency which is a 2nd collect company called Resurgent trying to collect a debt from me and has this debt placed on my credit reports. I have police reports in the past and affidavits of being a victim of identity theft. I have disputed the validity of this debt on XX/XX/2024 and received a notice from this Resurgent Capital services stating a 4 digit account number, original creditor ; XXXX XXXX XXXX Current owner another collection company LVNV funding, LLC with a reference # and a balance said I owe {$1100.00}, account holder name stating this is me. I have not received a copy of the contract with my signatures authorizing this agency or original creditor to collect on this debt. There is no date of first delinquency, payment history is not included or signatures of me stating this is my account. There are several account number pertaining to this account but none showing I'm obligated to pay this debt to this agency or signatures which belong to me stating I authorize applying for this debt. There's nothing from the original creditor that tells this agency to collect a debt from me. The current owner is another collection agency named LVNV Funding, LLC which is an collection company not the original owner. There is an statement of account summary and transactions I'm not aware of. As stated above there were a validation letter sent out to properly validate this debt stating and obligation to pay this debt to this agency. This information that was sent to me is very much inaccurate and does not belong to me. The addresses listed on my credit report under this agency regarding my personal information listed does not pertain to me and never was authorized to use on my personal information. I have an existing fraud alert on, my reports and just recently reviewed my credit reports discovering that my personal information may have been compromised and these are not my charges or authorized accounts.
Product: Debt collection

I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report on XX/XX/XXXX then added back on to credit report a year later after it was deleted
Product: Debt collection

So there is 3 accounts that are sitting on my credit report in collections for more than 7 years. one if from pro collect with a balance of {$4400.00} the other are from XXXX XXXX XXXX  of a balance {$1900.00} and {$550.00}. I tried disputing these collections and they keep telling me that they are accurate. bur see not all credit bereaus are reporting these accounts. the procollect is not my debt. For the pro collect all 3 credit bereau are repoting different balances which is has been more than 7 years sitting there. please help as you can see in my report i am trying to fix my credit and this is really affecting me. thank you in advance
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently recieved a copy of my credit report and noticed serveral inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Money transfer, virtual currency, or money service

Made a payment of {$500.00} through XXXX to an online sneaker store called XXXX XXXX XXXX around XX/XX/2018. Never received the product and found out it was a scam after several non responses via email and phone calls. After several attempts to get a refund from my bank, I received a letter stating that I made the payment and the bank wouldn't refund my money.
Product: Checking or savings account

After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX  I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the  stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. 
My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.
Product: Debt collection

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Product: Student loan

I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

I have many accounts with incorrect information that is affecting me a lot with late payments and reported collections that may not be mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 payed credit acceptance in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.
Product: Credit card

I am reaching out to you today with a heavy heart as l have recently become a victim of identity theft. It has come to my attention that my personal information was unlawfully used to open an account at your esteemed company, without my knowledge or authorization. l kindly request your immediate assistance in closing the fraudulent account associated with my name. The account details are as follows : Quick SilveXXXX card ending in XXXX and Platinum Secured card ending in XXXX. I had no involvement in the opening or operation of these accounts, and it is of utmost importance that they are closed promptly to prevent any further misuse of my identity. I Furthermore, I humbly ask that you absolve me of any charges or obligations related to the fraudulent account. As an innocent victim of this crime, I should not bear any financial burden resulting from the unauthorized actions Of others. it IS my sincere hope you will handle this matter With the utmost care and urgency it deserves. I would also like to draw your attention to the FTC Notice to Furnishers of Information, which outlines your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). It is essential that you comply with these obligations, as stated in the notice, to ensure the accurate reporting of information related to identity theft. Specifically, I kindly ask that you cease furnishing any information resulting from this identity theft to any CRAs. Moreover, under section 6058 of the Fair Credit Reporting Act, I implore you to take immediate action upon receiving notice from a CRA that information you provided may be the result of identity theft. Your responsibilities, as outlined in the notice, include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring the fraudulent debt to another party for collection. I trust that Capital One takes these matters seriously and will conduct a thorough investigation into this unfortunate incident. I request that you keep me informed of the progress and actions taken to resolve this matter promptly. Thank you [ DH/OUT attention to this urgent matter I sincerely appreciate your empathy and understanding during this challenging time. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or via phone at XXXX. I look forward to your prompt response and resolution of this matter. Yours sincerely