23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Barclay Mastercard has been set-up for monthly autopay since XXXX. Barclay Mastercard extracts payments from my XXXX XXXX XXXX  in the amount of {$19.00} monthly for payment charges from the merchant, XXXX totaling {$19.00}, therefore resulting in a XXXX XXXX. As of XX/XX/XXXX, Barclay Mastercard has not applied the {$19.00} auto payments to my account, resulting in my balance rolling over in the amount of {$39.00}. Spoke with several reps only to be disconnected and told they could not figure out the problem. Finally, spoke XXXX, XXXX, who stated he was going to XXXX a {$40.00} credit on my account to offset the charges. However, only XXXX cents was applied on XX/XX/XXXX to my account. Contacted Barclay Mastercard again several times only to be disconnected and told they are unfamiliar with the problem. Due to either a system error or fraudulent practice I have a balance sitting on my account in which I have issued payment for totaling {$39.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened : XX/XX/2022 XXXX
Product: Debt collection

they called during the time i was at work. i kept receiving the calls through out the week so i picked up and during the conversation they were trying to identify some debts that i willing to settle with them during that conversation i did ask for an employee number and asked for me to consider this a legit phone call i would like something in writing or emailed about the two account i did verified with them about two defaulted credit cards and while i told the representative to hold on a sec she casually slipped some third acct that i allegedly owe while i was speaking to my worker and then what seemed like she took that piece of recording as confirmation of that debt validation which was personal loan from XXXX XXXX according to my credit report. after that the conversation became unfriendly and difficult and never received and letter or email or phone call from them as i recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX XXXX XXXX
Product: Mortgage

I sold my home in XXXX. I have an escrow refund due to me. RP Funding keeps making excuses about the mail system, incorrect mailing information ect. We are going on 4 months and no refund. I call today XX/XX/XXXX, they tell me we need to wait 7 more days to see if someone cashes the check then another 30 days for it to get here. Anytime they want something from me the mail makes it just fine. But for some reason if they owe me it is hard to get it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may  concern  I   XXXX   XXXX  sent a certified letter and fax to  XXXX  and  XXXX  on      XXXX   XXXX   2017. Th e letter was a paid for deletion to the company   XXXX   XXXX   XXXX   XXXX   XXXX  .  Current Creditor  : LVNV Funding LLC. the account was sold by   XXXX   XXXX   XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager at th e company  LVNV and  he stated it would be removed.   XXXX   has deleted the collection from file but  XXXX  has n't. Also   XXXX   XXXX   is reporting the account inaccurate the account is paid so it looks like there are  two  charge-off on my credit. The only action that was taken by  XXXX  is the collection has  a   XXXX    b alance when it should be deleted per the contract.
Product: Credit reporting or other personal consumer reports

MY EX BOYFRIEND OPENED UP ALOT OF STUFF IN MY NAME WITHOUT MY AUTHORIZATION OR PERMISSION. THIS IS NOW REALLY EFFECTING MY LIFE ALOT AND I JUST WANT THIS STUFF TAKEN OFF MY CREDIT.
Product: Debt collection

Summary of Concerns Regarding Navy Federal 's DEBT COLLECTION - In XXXX, during a phone call to make a payment, XXXX disclosed that she was being trafficked and held XXXX, pleading for assistance from Navy Federal. 
- Navy Federal responded by terminating all communications with XXXX, showing a lack of empathy and disregard for her well-being. 
- Despite providing evidence of the circumstances, Navy Federal failed to address the fraudulent charges and outstanding debts, neglecting their duty of care. 
XXXX XXXX 's attempts to rectify the situation regarding the stolen vehicle and fraudulent charges were met with indifference from Navy Federal. 
- The termination of communications and lack of assistance from Navy Federal resulted in significant distress for XXXX, leading to hospitalization due to a suicide attempt. 
- Despite stating they will no longer attempt to collect the debt, Navy Federal has not accommodated XXXX 's XXXX by refusing to allow her to call in or visit in person. 
- Navy Federal garnished XXXX 's wages of {$930.00} on XX/XX/XXXX, causing further financial distress and contributing to eviction issues. 
- Navy Federal 's assertion of terms and conditions found on their website is unfounded, as no such documentation exists in the lease, agreement, or loan terms. 
- XXXX paid over {$100000.00} towards her credit card in XXXX alone, with a credit limit of {$26000.00}, yet has never received the treatment deserving of a flagship member since becoming one in XXXX. She has faced discrimination based on her identity theft and background.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Re : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XXXX XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove  the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XXXX/XXXX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, 2016, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You may only contact me via email at XXXX. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I have   one   account in collections with   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
Product: Debt collection

1-I AM GOING TO MAKE A CLAIM WITH THE INVESTIGATION DEPARTMENT WITH THIS FRAUDULENT COMPANY MIDLAND CREDIT MANAGEMENT ( CLAIM TO FBI ) 2-I NEVER HAD BUSINESS WITH THESE TWO COMPANIES, XXXX AND MIDLAND CREDIT XXXX DOCUMENTS FRAUDULENTS.

3- THE FBI IS INVESTIGATING THIS COMPANY 'S COLLECTION FOR FRAUD IN MANY CASES, MIDLAND CREDIT MANAGEMENT.
Product: Debt collection

I received a voicemail from a XXXX number on XX/XX/2020 and that her name is XXXX XXXX and she explained that she is calling about a case that is being filed to my county office. She said by law she was making me aware that case # was being filed with the county and becomes a matter of public record & there is an order for my location. Since she could not reach me by phone she has been instructed to call my employer & speak to my supervisor since this will be the best place of locating me. She said I have the legal right to contact the proceedings office that is handling my case but I have to speak with them before my case gets filed because once my case is discharged from there office my legal rights are forfeited. The phone # to their office is XXXX. I have to speak to someone in their legal department and this is considered a legal notification to locate me. So I called XXXX and they asked me my name and case #, social security # and proceeded to tell me that I have an outstanding debt with Ace Cash Express and that they going to start proceedings against me and asked where I work and if I have a lawyer to put on file. I told them I never heard of a company doing this before and I will not comply with them. My boss texted me that morning and said that they called her asking if I work there, what is my home address and phone #. They also told her the case # and that they were going to send a sheriff to locate me and that I am in contempt and have allegations against me. I was extremely applaud by this manner. Even after they knew where I lived and I had never received any letters or anything from this company. I should not be threatened that I have allegations against me or that a sheriff will come for me over a debt. I am extremely upset they told my boss all this information and again told her there is allegations against me over a debt as well. She did not comply with them either.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, under the account number XXXX. 

This account has resulted in a fraudulent 30-day late payment for XX/XX/year> appearing on my consumer FICO credit report. I do not recognize this account or the late payment as reported. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the account is fraudulent and due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ongoing since XX/XX/XXXX to present. Told affirm I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported. 
Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Someone open an account using my identity as listed below '' Account name FRANKLIN COLLECTION SERVICES Account number XXXX Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX This is reported to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, somehow the date I discovered it and the date the fraud begin got switch around as I was downloading the document.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. Despite my persistent efforts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are causing substantial damage to my credit file and severely impacting my ability to lead a normal life. The effects of these errors have created significant hardships, leading me to urgently request your assistance in resolving this matter as quickly as possible. 

I respectfully ask for a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate action is taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is vital for me to regain control of my financial stability. 

I urge you to treat this issue as a priority and take swift action. Your prompt cooperation in addressing this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Product: Credit reporting or other personal consumer reports

On my credit report its XXXX  days late.account number is # XXXX company name is Citi.
Product: Student loan

Ive been submitting XXXX XXXX applications to Navient explaining to them that there has been a law that was passed already which states that ALL XXXX XXXX student loans must be forgiven/discharged. i did not graduate from the XXXX XXXX and XXXX program i signed up for so i did not benefit from the school at all. Navient should not be charging me payments for attending a school who gave students false certification and tormented students with predatory loans. i am not capable of paying these loans as i need to go back to school and graduate with an actual degree. 

ive been getting the same response from Navient for many years now and nothing is being done to correctly resolve this financial crisis. can anyone please assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity 5th case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XXXX car. Pardon my XXXX. But these Inquiries are hurting me when I try to get funding. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX