23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action.

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law. 
XXXX. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights. 

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified.

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information 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.
Product: Student loan

My daughter had her own student loans to cover her education. One semester she was a little short so I applied for a parent-plus loan to cover the small amount she needed. No where on any of the paperwork did it say my parent-plus loan would become the primary funding source for the remainder of her education. I amassed over {$30000.00} in loans without my knowledge. I complained and sent them copies of their own web site pages pointing out that it never told me I would be the primary funding source. I expected to be a small over-flow source for books, etc. It was unfair and deceitful.
Product: Credit reporting or other personal consumer reports

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
Product: Debt collection

Original Lender XXXX XXXX Ca - XXXX Name XXXX Current Balance {$53.00} I moved out of this apartment and this amount was paid. I disputed it with the credit bureaus and they have removed it except for XXXX- they still show it as a collection I have no relations with IQ data international, nor do I have a contract with this company.
Product: Debt collection

It was recently reported on my account that I had a derogatory account with Eastern Connecticut Account. I have never received anything regarding a missing payment to my New York address. This is regarding an XXXX XXXX payment for XXXX dollars. This was a charge from XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX at the time as I was under my father’s insurance. 	I received a few phone calls in XX/XX/XXXX from *XXXX Fraud Alert #*, I obviously did not answer. I had a voicemail saying to please call and confirm a social security number. I XXXX Eastern Connecticut and saw extremely negative reviews. My concern regarding giving them my personal information only began to grow. When I called back I instructed the representative that they showed up on my phone as fraud. Then the representative began to instruct me on an XXXX XXXX debt. I asked from when was this from, they said XX/XX/XXXX. I asked her if XXXX XXXX put my insurance in. XXXX XXXX XXXX XXXX XXXX in and out of state number. I know that my insurance would have went through, as I had XXXX XXXX XXXX and had numerous bills that were all covered. I instructed her to reach out to the XXXX XXXX and try to submit the claim or call me back if there were any issues. I didn’t feel comfortable just making a payment to this organization, especially after the reviews and the type of infection I had during that time. When the organization never called me back, I assumed that the XXXX XXXX had taken care of it.	After I got an update from my XXXX  app on a negative report to my score, I saw it was Eastern Connecticut. I immediately called Eastern Connecticut, and left numerous Voice Mail Messages. I had one representative hang up on me multiple times, when I was trying to explain I don’t live in Connecticut. After finally getting through to one representative, I finally paid the XXXX dollars. I asked if they could send a report to your company saying they didn’t have my address and the person laughed at me over the phone. He said, “Why would I help your credit score”. He said, having a phone number is sufficient enough to report someone as a derogatory account. 	This organization is taking advantage of people and I don’t want my credit report to be negatively reflected by this. XXXX even reported their entity as fraud. I did pay this organization, however extremely reluctantly. I have attached a copy of the receipt. Please, if your organization can update my credit score and remove this derogatory account information. I have never missed a payment on any of my accounts. I have a number of student loans that I’m trying to pay off, and this negative credit score will hurt my future in receiving a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00}
Product: Debt collection

On XX/XX/2018 at XXXX XXXX time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from Wells Fargo and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car lease with XXXX XXXX XXXX and closed my account. Eqiufax credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with Equifax and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from XXXX XXXX confirming my closed account
Product: Credit reporting or other personal consumer reports

XX/XX/year> I noticed an inquiry on my report in which i did not ask or consent to i want this hard inquiry removed from all three agencies XXXX XXXX XXXX XXXX please address this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 itemsI '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, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in California and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. He made me belive that he is in progress of doing the work. However, the job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. There were XXXX different transactions to be disputed with My Banking Direct : amount of {$2000.00} on XX/XX/year>, amount of {$2000.00} on XX/XX/year> and amount of {$1000.00} on XX/XX/year>. The bank never investigate my dispute and rejected my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ABOVE ARE NOT MINE, AND MUST BE DELETED.

I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.
Product: Credit card or prepaid card

I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. As part of their promotion, I'm required to spend {$5000.00} within three months of opening the account. 

Chase never sent me the physical card. I called to check on it, and they said they would send another via XXXX, and I would receive it in the next 1-2 business days. This card also never arrived. 

I called again on XX/XX/XXXX, over a month after account opening to see what the issue was with the card. They did send a card, but told me since they didn't have my apartment number correct, it was sent to Ohio. I live in Washington DC. I also have multiple bank accounts and credit cards with Chase. They have the correct address, I'm not sure how they messed this up, but they did. Twice. 

The issue is I now only have two months to meet the minimum spend requirement. I've tried customer service to extend the period a month, but was told they couldn't do that, and would transfer me to a manager, but was repeatedly transferred to other reps who did the same thing.
Product: Debt collection

Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested specific information to be provided : Original contract with signature, creditors information, payment history with itemized billing associated and proof of owner. It has been well over 30 days with no response.
Product: Credit card or prepaid card

On XX/XX/XXXX, I phoned Chase Credit Card Claims to notify the Bank of a potential dispute involving charges assessed during that month and the previous one by a landlord that charges " accelerated rent '' and had been endeavoring throughout my three-and-half years as a tenant -- as such landlords are wont to do -- to manufacture a pretext for either evicting me or forcing to vacate prematurely in order to maximize the illicit profits to be derived from Clause # 27 of the Lease Agreement that allows the landlord to collect the full rent due under the remainder of the original lease term if a tenant breaks the lease without the landlord 's permission for any reason, without any obligation to re-let the apartment after the tenant vacates. I was told by the Bank at the time that the credit card payments I had made could be disputed to reflect funds owed to me by the landlord and the Bank had me " covered '' in the likely event that I was not able to come to terms with the landlord. Nonetheless, when I followed up with the Bank the following month to formalize my disputes upon being forced to vacate on XX/XX/XXXX after the landlord falsely alleged on XX/XX/XXXX that I was a holdover tenant without assessing the double-the-rent penalty provided for under Clause # 12 of the Lease Agreement in the event of holdover tenancy and demanded that I vacate my apartment within ten days ( my initial lease term had expired at the end of the previous year, at which point I became a month-to-month tenant while addressing fallout from the sudden demise of my mother on XX/XX/XXXX from XXXX XXXX ), I wound up ultimately being informed by the Bank on XX/XX/XXXX that the charges were valid, despite a 70 page fax sent to the bank on XX/XX/XXXX containing details regarding both the funds owed to me by the landlord and the relentless efforts of the landlord to extort me into paying a fraudulent debt through willful negligence and systematic abuse. Furthermore, the new ( as of XX/XX/XXXX ) Georgia Code 44-7-24 allows landlords who engage in retaliatory conduct to be penalized as much as {$500.00} and one month 's rent ( or {$580.00}, in my case ) for each separate incident of retaliation in response to tenants reporting a landlord 's negligence to local or federal authorities, which is what my landlord did with me when I reported a toxic mold infestation caused by water damage in my apartment to Municipal Code Compliance on XX/XX/XXXX and also on XX/XX/XXXX.