23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXXXXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards with the ongoing issues related to the correction of late-opened account under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my account remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct this late-opened account is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : 1. A thorough investigation into the repeated failures to resolve my issue. 2. Clear communication regarding the steps that will be taken to correct the accounts. 3. A timeline for when I can expect this issue to be fully resolved. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX high rd., XXXX XXXX XXXX, FL XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is the XXXX time I have disputed this issue. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect account status Instruction : The account status is being reported as " Derogatory '' which is not correct. Please fix this or remove the entire account immediately. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit card or prepaid card

I contacted the retailer via email on XX/XX/2023 ( see attached email ) requesting a paid in full invoice for a generator installation at my home. The retailer responded back the same day that as soon as they see the funds deposited we will get the receipt out to you. I am a bit perplexed as Synchrony processed a purchase on XX/XX/2023 for {$7500.00} for merchant XXXX XXXX XXXX on Synchrony Home card ending in XXXX. Also, a purchase of {$5000.00} was processed with the same merchant on XX/XX/2023 to XXXX card ending in XXXX. I would like to receive a paid in full invoice from the merchant for my records. Please advise me when the above mentioned purchase amounts will be sent to the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received and inquiry for XXXX XXXX XXXX I never applied for this bank loan or have a bank either
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX law to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over XXXX XXXX XXXX. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX XXXX  IC Systems XXXX XXXX multiple accounts XXXX multiple accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.
Product: Mortgage

Select portfolio services has been horrendous My husband is on medical XXXX causing us financial stress in addition to XXXX XXXX 
SPS has denied our application for modification They will not allow us to speak to anyone in a managerial position. They simply just read the letters in the system They are unable to tell us what our mortgage payment will be after paying what we owe in back pay As of now its XXXX more than our original loan But no one gives answers There is no support No one to speak with Just the same people working from home saying the letter says. X y and z. And we dont know And we cant tell you Etc Horrible experience
Product: Debt collection

I paid a charged off account that I had with XXXX in the amount of {$740.00}. The first payment was made XX/XX/XXXX  in the amount of {$50.00} and the second was made on XX/XX/XXXX  in the amount of {$690.00}. 

Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from Jefferson Capital. Jefferson Capital shows that I owe {$740.00}, since apparently they purchased the account from XXXX. This is not accurate as I paid XXXX in XXXX. 

XXXX sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now XXXX is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow Jefferson Capital should have access to that ( which makes no sense since I paid it on XXXX 's website ). Jefferson Capital says they should have received the payments since they were paid so long ago. 

I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new Jefferson Capital collections account with a balance even though it was paid before Jefferson ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.
Product: Debt collection

XXXX XXXX XXXX has been reporting that I owe them money on my credit report. Before this, I have never heard of this company or ever done business with them. I have been writing to both the credit bureau and XXXX XXXX to have this debt removed from my credit report. In order for this debt to stay on my credit report, XXXX XXXX continuously approves or update the status that I owe this debt. But how? They have yet to substantiate or validate this debt according to FDCPA requirements. They have not shown any documentation with my signature on it in agreement with their company, They have not shown how they calculated this debt, or even where this debt orginated from with THEIR business.This is unfair and by far detrimental to my credit. They are in violation of both FCRA and FDCPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX XXXX was started in a state I dont even live in XXXX  XXXX XXXX not sure how it was verified as me. The XXXX account is closed and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX  or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Product: Credit card or prepaid card

This makes the 3rd complaint I have made about setting up the direct deposit on my way2go card. I am unable to do that. I file a complaint a person calls me back and tells me that she ( XXXX ) is not able to assist me. That she has to file a web support ticket and I have to wait on someone to call me back. I was told this same thing back in XX/XX/2022 when I originally filled the complaint never received a call. Here we are again today with the same thing. My issues is not resolved. I am going in a circles with this company. I was told by XXXX that she does not have to follow up with me. After she has filed the compliant she said someone is supposed to call me back within 24 hrs. If they do not she will file another form and go on from there. But she is not able to assist me. 
My problem is I am trying to set up the direct deposit and this is the complaint however I get people that call me back that can not assist. 

If this issue is not resolved within the next 7 days I will file a complaint against XXXX XXXX.
Product: Student loan

I requested a refund on XX/XX/XXXX under the CARES act and was quoted 4-6 weeks for the refund to be sent back to me. I called last week ( XX/XX/XXXX ) and was given zero extra info besides that there was a remark about the refund being filed. I have also sent an email requesting info and have gotten nothing. In two days will mark 6 weeks without any updates or movement. I was told to receive an email with an update when my refund was accepted but haven't even gotten that.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX XXXX was given the task of collecting and distributing child support for my ex wife. Money was to be taken my paycheck directly and given to her. However, until it started I sent them a check. Unknown to me th we considered this action as a late payment and reported it to the credit bureaus. I have sent copy of the cleared check to show I was not late in paying but the late payment still remains. Also, my daughter has turned XXXX and graduated high school in XX/XX/XXXX so I do not owe child support any longer. XXXX XXXXXXXX sent me a check for over {$900.00} in refund for my overpayment of child support. I provided court documents showing when child support started and ends as well as cleared first check showing no late payment as well as refund showing nothing owed but it remains on my credit reports. Should not even be on there at all. I owe nothing and was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, Transunion, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Product: Debt collection

Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I signed up to continue my college education. I received several student loans in the amounts of {$7000.00}, {$6200.00}, {$5500.00}, {$4500.00}, {$2600.00}, {$2500.00}, {$2500.00}, {$2100.00}, {$2000.00}, {$1500.00}, totaling {$36000.00}. My original loan servicer was XXXX, and they were initially assigned by the Department of Education. XX/XX/XXXX a transfer of my student loans were made from XXXX to XXXX. I am not liable for this debt with DEPT OF EDXXXX XXXX XXXX and i do not have a contract with XXXX  XXXX and they have yet to provide me with the original contract that I have with them as requested. ( Thats because one does not exist. ) Correct my credit report and remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XX/XX/2024 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Request for Validation Dear Sir/Madam, I am writing to dispute the validity of the debt you claim I owe and to request validation of said debt, as well as to inform you that I am revoking all rights for you to communicate with me via email, text, or phone calls, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and relevant regulations, including but not limited to the following laws : 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006 ( d ), and 15 USC 1681-S . 

Firstly, I dispute owing any and all debts to your agency. As per the FDCPA and the aforementioned regulations, I am entitled to request validation of the alleged debt, including documentation establishing the validity of the debt and the right of the collection agency to collect it. Therefore, I request that you provide me with the following documents : Validation of the debt pursuant to 12 CFR 1006.34 ( b ) ( 5 ). 
Any purchase agreement or assignment documentation proving that your agency has the legal authority to collect this alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Proof that your agency is licensed and bonded to collect debts in my jurisdiction, as mandated by 12 CFR 1006 ( d ). 
Any additional relevant documentation supporting your claim. 
Please note that failure to provide the requested documentation within the legally prescribed timeframe will result in the presumption that this debt is invalid and unenforceable, and any further attempts to collect on it will be in violation of the FDCPA and other relevant consumer protection laws. 

Furthermore, I am exercising my right to revoke any prior consent I may have given for you to communicate with me via email, text, or phone calls. Henceforth, all communication regarding this matter must be conducted through written correspondence sent to the address provided above. 

I expect your prompt attention to this matter and a timely response within 30 days, as mandated by law. Failure to comply with my requests will result in further action being taken to protect my rights under the FDCPA and other applicable laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX