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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are several accounts that I didnt authorize or give anyone permission to open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 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 a account without my written instructions
Product: Debt collection

HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the longest I have been trying to get a MAIN Transunion account, that allow me some of the same privileges that you get through XXXX. And for every attempt that I've made, the Transunion operator would push me to their XXXX XXXX or XXXX site, that seems to be used to keep you from the more important credit reporting, but still not been allowed to simply log into Transunion.com and see my credit reporting. 

Yet, Transunion is still taking out {$21.00} from my checking account for a service they won't let me have access to. The same thing happens with XXXX, in that they also refuse me access to their XXXX site. Why am I still paying for a service that I'm being denied access to?
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX DOB : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed credit Didpute to Experian vis certified mail on XXXX and received notification that my disputes were received by Experian on XXXX, yet Experian never opened disputes or properly investigated the unverified and inaccurate items in question. Experian must delete inaccurate info if they are not able to validate. This has been ongoing problem since last year. Experian is refusing to remove incorrect reporting or proving that information has been properly investigated and validated per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FIRST COLLECTION SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

I currently owe {$110000.00}. I took out 4 loans between the period of XX/XX/XXXX-XX/XX/XXXX that amounted to over {$90000.00} in debt. I went to XXXX school from XX/XX/XXXX to XX/XX/XXXX, and therefore was able to defer my loans until after graduation. After I graduated law school in XX/XX/XXXX, I deferred my loans as long as possible because I took a low paying job. After all 4 loans became current, I opted to consolidate the loans in an attempt to lower my payment and make it one payment. I applied on my own and did not qualify so I had my mom cosign. My mom makes great money and has good credit so she was approved, therefore we were approved for the new loan in XX/XX/XXXX. I wasn't aware she would not be treated as a normal " co-signer '', which in my mind is more like a safety net. Instead, they take her income into consideration and my payment each month started at {$800.00}. In XX/XX/XXXX of this last year, I called them and asked about options to lower my payment. They said because my mom makes so much money, I wouldn't qualify. Again, my mom does NOT pay my loan. She simply guarantees it. I can not afford the payment, so I asked about other options. They presented me the option of deferring the loan for a 2 month period. I went through the application process and was told as long as I paid my payment for XX/XX/XXXX, my loan would be deferred for XX/XX/XXXX and XX/XX/XXXX. When I went to pay my payment in XX/XX/XXXX, I saw I owed about {$2500.00} instead of the usual {$800.00} payment. They had not approved my application for a forbearance but had never called me to tell me that. When I asked why they said because I didn't have a phone number on file. Not sure how a bank doesn't have my phone number or can't reach me. In any case, I should have never even been PRESENTED the idea of a forbearance because you apparently can not utilize that option until your loan is at least 9 months old and mine was not. Somehow that became my problem. I asked them again what I could do about the now {$2500.00} I owed at once and they gave me no options. My payment is now {$850.00} due to late fees, etc. and I owe the money I never paid during the " forbearance ''. I want to just default but I can't because my mom 's credit has now been negatively affected from the missed payments and if I default, I know it will hurt her credit anymore. I have called Wells Fargo multiple times over the past 6 months asking them for help with my payment. I would rather do the right thing and pay my loan, but {$850.00} a month is almost 40 % of my current income. Had they worked with me in the first place and set my payment according to my income rather than mine AND my mother 's I would have never requested the forbearance and I would be current with my payments. It's destroying my credit, my mom 's credit and my ability to pay my other bills having to pay this, and I just want Wells Fargo to work with me and allow me to lower my payment. I would think they'd like to get something from me rather than nothing ( in the event I default ).
Product: Debt collection

Company is Credit Protection Assocation. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however XXXX  doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, XXXX and XXXX XXXX.
Product: Debt collection

I have contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a medical debt I wasnt suppose to be charged for and never got any mail or notification of an auto withdrawal of it. Its from Mariner Finance and should be a paid as agreed and closed account. Since its paid medical debt I would like it off of all three credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my check for my mortgage payment in XX/XX/2021. There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and have found inquiries on my file that I did not authorize.
Product: Debt collection

This company stated that if I made a payment of {$4000.00} by XX/XX/XXXX that upon receipt of the payment for a vehicle that a company that XXXX XXXX XXXX repossessed wrongfully when I was on military orders to move from XXXX  to XXXX  XXXX  to to report on XX/XX/XXXX. XXXX XXXX XXXX repossessed the vehicle on a day before my military payday and falsely stated the payments were XXXX days late though it was only about 30 days late which would have been cured with my initial paycheck after Permanent Change of Station to the the military base. This new company Flagship Credit Acceptance LLC apparently acquired XXXX XXXX through some sort of sell off or company 's bankruptcy, that they would consider my account settled and that I would be released from any further obligations. They also stated on this letter to my lawyer on my behalf that they, the company Flagship Credit Acceptance LLC, will report the account as settled in full for less than the full balance to credit reporting agencies to which it furnishes account information. This letter to my attorney was dated on XX/XX/XXXX. On XX/XX/XXXX I paid in full the balance of {$4000.00} by the money gram for which the company acknowledged. The initial balance for which I was settling in full for less than full balance was {$9900.00}. On XX/XX/XXXX I received notification from the credit reporting agencies that on XX/XX/XXXX that Flagship Acceptance LLC reported that I still owe a Balance of {$5900.00}, and that there is a Past Due Balance of {$5900.00}, and that the account status is " Charge off/Unpaid collection '' instead of " settled in full for less than full balance ''
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the last week to lift a credit freeze with Equifax. I have tried using the telephone and the computer. The system tells me they cant find me and will not continue when I have given my social security number, date of birth and full name. Also they seem to require that I have a cell phone to continue. I do not because we live in an area without cell service. I have a PIN number from when I established the credit freeze in XXXX. They no longer honor it since they changed the system in XXXX but did not inform me. I have spent a number of hours trying to lift the freeze for 30 days but can not get through the layers of roadblocks they have imposed. On many occasions the system simply goes dead, or says we cant find you or some such. I have had zero trouble with the other two major credit agencies. Equifax is a disaster that we all depend on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name  : XXXX XXXX, XXXX. 
Account NumberXXXX There is a late payment for XX/XX/2022, which is inaccurate. XXXX changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that XXXX only accepts federal notes in person for my credit card. 

XXXX has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

XXXX has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

Experian and XXXX are violating 15 USC 1681B and 15 USC 1681C. Experian does not have my consent to report without my written consent, and they are false reporting.

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with XXXX XXXX  at any time, look at the history.
Product: Credit reporting or other personal consumer reports

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 accounts 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 accountsXXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX