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

I was with Lexington law for years as soon as I canceled my service my credit went from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed multiple accounts I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving emails and phone calls from Lexington Law Firm for someone who has a similar, but different name. I have responded to the email and attempted to call Lexington Law Firm to inform them that they have the wrong person. I continue to receive emails and phone calls for the wrong person. I am going to check my credit report to make sure that all of the information on them is correct.
Product: Checking or savings account

Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing number:XXXX ; an account number:XXXX. I recently made a claim with you guys about my account an a bunch of UNAUTHORIZED TRANSACTIONS ... .... My original claim stated " Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing numberXXXX ; an account number:XXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my smoke shop transaction for {$22.00}. After that I fell sick, an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over XXXX charges in HAWAII!! including a hotel charge, XXXX, ect... I called PNC who Ive been a member with over XXXX an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, im late on rent, my car note, an even child support. '' After all of that, I was contact and told that I will be receiving a new card in the mail ( WHICH I NEVER RECEIVED ) ... .... an also provisional credits during the investigation ... my account did receive provisional credits however I DID NOT have the card yet when the money was added on there.so I just saw it posting provisional credits THAT I COULDNT USE YET .... An then all of a sudden the credits start being used as well!!! ...... so someone must have intercepted my card, and began using the credits as well as a bunch of other purchases I don't recognize ... .. so basically I NEED TO DISPUTE EVERY SINGLE TRANSACTION ON MY CHECKING ACCOUNT ENDING IN XXXX starting from ( XXXX XXXX2024 ) through TODAYS DATE ( XX/XX/2024 ) ...... I seriously need my cash and I haven't been able to do anything as PNC is the only bank account that I have, I've been waiting and waiting on a new card just to see that my account is still being used, and when I called to let them know this I was transferred line after line and always with someone who didnt understand me or I didnt understand them, an I eventually got hung up on XXXX time .... I really need all of my funds immediately, even if it's just the original provisional credits/final dispute credits that you guys posted. I have called multiple times and have not been able to get through or either there's a language barrier, please return my money I do not have money for food, child support, my car note, and I am going to be put out in 15 days please give me my money back, at least the provisional credits/final dispute credits totaling XXXX
Product: Money transfer, virtual currency, or money service

When I signed up for the account I set up a two factor authentication with a phone number I have since lost. To recover access Coinbase requires and ID. While I am residing in the US I am a XXXX XXXX. I have sent them a XXXX ID, XXXX drivers license, XXXX passport, Massachusetts Liquor ID ( which is missing one of my last names ), and 2 statements from my bank  with my name and address. Yet, I have still not been granted access to my account and am not receiving responses from Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this. 


The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day. 

XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter. 

I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.
Product: Credit reporting or other personal consumer reports

Im extremely upset I have been 100 % flawless with a car note for over 3 yrs never missed a payment. Even during my XXXX XXXX and XXXX and XXXX never missed a payment, I was looking forward to my credit score to rise after the XXXX XXXX car was paid off, Overland bond put Account closed on my credit report! it should said Paid in full! 

Because of the status and notes they wrote i lost XXXX points off my credit report Please update where it say account paid in full i deserve the points i worked hard for and this showes as bad not Good, becuase they put Cosed when in should say paid in full Never late never had a issue paid weekly for 3 yrs please dont treat me like that overland bond you guys hurt my score by XXXX points. it was for the XXXX XXXX XXXXXXXX  that was my first loan with them. 

I called them and i was told to report them to CPFB that it should say paid in full not account closed. they said the only way to fix it is report to CPFB and credit burial
Product: Credit reporting or other personal consumer reports

The following items are on my credit report and is causing me to have issues financially. I would like to have them removed the following are the items. 

The following address. should be removed from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I assumed a VA mortgage from Freedom Mortgage in XX/XX/year>. They have not provided a single statement via an online portal or email since. They claim that they are unable to allow me to create an online account due to it being an assumption, and that they would send me an email each month with my statement. This has never happened. Of course, Freedom Mortgage has no problem sending marketing emails I didn't sign up for to the address they can't send a statement to. 

We have been forced to make monthly payments over the phone without ever seeing an actual statement. The amounts on the phone statement vary month to month, and are higher than the monthly payment quoted in our closing documentation. I am concerned I am being overcharged / am paying hidden fees I can't see, since Freedom Mortgage will not provide me with monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX D.O.B : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : Requesting a Method of Validation Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

Please see attachments. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX
Product: Student loan

The college I attended closed and also I was unable to get a job after graduating. I eventually attended a different college, pursued a different and was paying on that previous loan. I have repeatedly attempted to pursue an income based payment plan with no success, on top of being forced into forbearance. Now my loans has increased as well as interest rates. I have reaching out and spoken to various Navient representatives but have been getting the run around. Now I am completely in debt.
Product: Student loan

I have over $ XXXX in loan debt operated by FedLoan Servicing. I have made nearly $ XXXX in payments over the past 5 years, and it has gone strictly to the unpaid interest. No portion of my payments have reduced my principle by a single cent. This is outrageous. It does n't support students, it exploits them. There is no other type of loan that operates this way. My monthly payment is nearly $ XXXX per month, but my principle balance has n't changed in years.
Product: Credit reporting or other personal consumer reports

.The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian, XX/XX/XXXX, and Experian each certified letters in the mail on XX/XX/2020 and XX/XX/2020 to please remove some hard inquiries that I saw on my credit report but do not recognize these hard inquiries. I did not authorize for these hard inquiries amongst my credit and this has been bringing down my credit score. I would like for these inquiries to be removed respectfully, as this is affecting my credit score and impacting me from elevating my credit score and life.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I see a couple inquiries on my credit report, I call them they don't want to show me prouve that I applied for anything, and I called experian to dispute they makes it even harder to get a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is spelled wrong on listings .alias not XXXX XXXX XXXX XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries are damaging my credit report under 15 USC 16c-2. Kindly remove all unapproved hard inquiries.
Product: Debt collection

The lawfirm of Kevin Abbott brought a small claim suit against me for a private loan signed off in XXXX, this was brought against me in XX/XX/XXXX - 17 years after the loan had been disbursed. The only proof of this debt that was provided was the original signed loan document XX/XX/XXXX. They created a situation that I couldn't defend - I had no way to prove or disprove something that was 19 years old. They obtained a judgement against me on this time-barred debt. And now I am fearful they can collect on something that I may have already paid or has been written off and that I have no way to defend because of it's age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I do not know who they are or owe them. I contacted Transunion about this issue so that they could send me copies of the agreement where I agreed to pay this creditor. But they did not send anything. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt or credit management

I spoke with transunion rep and she instructed me to file a complaint through the ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I'm not so sure on the dates but I was - {$19.00} on chime which I wasn't supposed to be it was something they wasn't supposed to take. the money they took was {$25.00} I paid a little to pay it off slowly. I stopped paying because it wasn't something I agreed to. the {$25.00} they took was " rent '', but I paid my rent with a money order. after I paid my rent, I noticed chime took the {$25.00}. I tried getting the money back it didn't work they aren't much help. My credit because of them is going down bad and I've tried paying the - {$19.00} off even though I shouldn't have to because they should have never taken it, they said that they paid the negative off and that I couldn't pay them back for it to be able to get that out of the way, so it wasn't messing my credit up anymore. I don't know what else to do but I guess keep complaining until something is figured out.
Product: Credit card

Approved for card XX/XX/24 Received card and paid XXXX service fee for activation on XX/XX/24 Card was NOT activated. 
Spoke to company by phone on XXXX Confirmed they received payment by XXXX rep., other rep said they didn't receive payment. 
Was told to email XXXX and show proof of payment in which this writer did with no response. 
Spoke to rep XXXX who hung phone up on me and never called back.
Product: Checking or savings account

I havent applied to open any accounts with Truist Bank. My personal information was stolen. There 7 accounts open using my personal information.
Product: Debt collection

I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Equifax is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. I would like for Equifax to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX