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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XX/XX/5132XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XX/XX/XXXXXXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXXXXXX XXXX Date Filed : 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

It seems that under FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXXXXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken off of my XXXX. I do not understand why they are still verified on my XXXX and my Experian. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.
Product: Credit reporting or other personal consumer reports

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my Experian score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX people.
Product: Student loan

Please see previous complaint. I made payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that are not counting towards PSLF due to being in a forbearance at payment due date but I was not in a forbearance at that time. I was placed in a forbearance XXXX because I was inaccurately told I needed to recertify my income ( please see previous complaint ). The company has responded to my previous complaint saying I have been in a PAYE plan but that is not accurate and I am still in a forbearance missing out on payments for months now. I need my XXXX payments to be adjusted and count given I was not in a forbearance at that time. Also - why is my forbearance ( >60 days ) not counting for forgiveness? I have another letter from XX/XX/XXXX stating I am in a forbearance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2017 Transunion received a dispute ( via   XXXX   XXXX   ) from me regarding a collection item  XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   ) for the amount of {$5000.00}. Transunion took 51 days  XXXX   XXXX ,  2017  to give me an update. During the 51 days they never asked me to provide them with additional information or documents. I am requesting that you look into this because I believe that my consumer rights Under the Fair Credit Reporting Act were violated since it took them over 30 days to respond.  " Reporting Agency has  to review and respond to every disputed item within 30 days or remove item being disputed. '' I respectfully thank you for looking into this and having the above item removed from my credit report.
Product: Credit card or prepaid card

I have never used this card or had it in my possession. I have no credit card statements or account numbers as this is a fraudulent opening of a credit card by a third party. The only information I have is from the email I received for an amount owed. Information below : Account ending in XXXX and Bank Address below : Barclays XXXX XXXX XXXX XXXX, PA XXXX or Barclays XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

My mortgage payment due by XX/XX/XXXX was received by Flagstar Banks lock box on XX/XX/XXXX. As of Monday, XX/XX/XXXX, my check XXXX for {$1200.00} had not been posted to the acct nor had the check cleared my checking acct. XXXX with XXXX. She said she would have someone in Cash Applications call me to discuss. As of XXXX today, I have heard nothing.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number 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: Credit reporting or other personal consumer reports

I'm grateful for your attention to this matter in addressing the removal of certain entries from my file that have arisen due to suspected identity theft. However, there are still some remaining items that require your attention for removal. According to the FCRA section 605, it's mandatory to eliminate any entries listed in an Identity Theft Report. I've previously provided this report in a previous correspondence, and I'm resubmitting it for your reference. I've also notified my attorney about my intentions, and they are eager to ensure your compliance with the law. 
XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Product: Debt collection

I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX.
I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party.
I have asked them to Cease & Desist in their continued efforts to contact me about this.
Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX  and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Debt collection

XXXX XXXX  representing Barclayphone number XXXX continues to call my employer after I requested that they send me in writing to my address the basis of the debt. I requested they not contact my employer as they have my contact information. This debt is at least 10 years old. I contacted every debtor after I returned from work from XXXX after 7 years and settled even though exhusband filed bankruptcy. This debt shows up no credit report and have asked for documentation. When I call them they are threats even though I asked them to send in writing or take me to court. I first heard from them inXXXX asked for it in writing they said I had to settle over phone. Nothing for about 6months and then my employer called me today saying they called. I called them they were very rude and I requested again to not call my employer or family and friends as they threatened. They have not contacted me directly even though the read off my contact information correctly including address and phone number. I want this harassment to stop. I asked them to mail me the information so I could look it up in my records. They just scream at me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XX/XX/XXXX for 2 months of mortgage payment. That was paid in full in the month of XX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries that are showing on my credit report that were never authorized by me. I have reached out to the 3 companies and all agree they have no record. I have disputed this with Equifax on multiple occasions and they continue to claim the information has been " verified '' and fail to provide any proof ( because there is none, these are inaccurate ). In the most recent dispute one of results states that one of the inquires isn't on my report, when it clearly is there. The three inquiries are from XXXX, XXXX XXXX and XXXX XXXX. These are inaccurate and fraudulent and Equifax refuses to remove the inaccuracies therefore hurting my creditworthiness and tarnishing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Product: Debt collection

Navient has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation to XXXX  and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. XXXX, along with this company hasnt followed up with me
Product: Credit reporting or other personal consumer reports

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Request for Removal of Incorrect Addresses and Name Variations **Credit Report Date : ** XX/XX/XXXX **Name : ** XXXX XXXX XXXX **Date of XXXX XXXX ** XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit reports from XXXX, Experian, and XXXX. Upon reviewing my credit report, I noticed the following incorrect addresses and name variations that do not apply to me : 1. **Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. **Names to be removed : ** - XXXX XXXX - XXXX XXXX XXXX The only correct name is XXXX XXXX XXXX XXXX and the correct address is XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I did not live at the addresses listed above, nor have I used any other variations of my name. 

Please remove all inaccurate addresses and name variations from my credit report. I kindly ask that this information be updated and corrected as soon as possible to reflect only my current name and address. 

Thank you for your prompt attention to this matter. Please notify me when these corrections have been made. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX-
Product: Debt collection

An associated from RS CLARK AND ASSOCIATE contacted me a few times back in XXXX about a debt that they had received from XXXX. I was threatened that if I did n't pay them that they would sue me for the debt and add it to my credit report. I called XXXX XXXX to figure out what was going on and we went all the way through each payment to see where the mishap happened. The mishap was on their end and cleared my account of any charges and notified RS CLARK that I did not owe any debt to them. I got XXXX more calls from RS CLARK stating that XXXX was still reporting that I owed them. I told the lady that was lie and that they had indeed sent them notification that it was a mix up on their behalf. The lady from RS CLARK asked if I had the payment transaction numbers for the services. I gave her ( XXXX XXXX/XXXX/16 & XXXX XXXX/XXXX/16 ), RS CLARK confirmed this with XXXX and thank me for my time. That was the end of that ; RS CLARK was suppose to send a letter, never got the letter. nothing was ever placed on my report or anything until yesterday when I got an alert that RS CLARK had posted an collection on behalf of XXXX XXXX that owed {$50.00}. I owe nothing to them and I have called XXXX they know nothing of the debt and did not send RS CLARK anything to report and do not know why. I have included photos of the transactions that I listed above and a copy of the account tab on XXXX XXXX website/
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX, I left my employer and was asked to repay my sign-on bonus on XX/XX/XXXX. I responded by offering to pay the net amount I received. The company replied weeks later, insisting that I needed to repay the gross amount, citing an accounting error in the fiscal year of XXXX. I requested an exception, considering their delayed response. Over the course of XXXX months, we engaged in back-and-forth communications. 

Throughout this period, I never received any physical mail correspondence to my address, informing me that the debt of {$28000.00} would be sent to collections. 

Fast forward to XX/XX/XXXX, when I received a letter from The Commercial Collection Corporation, signed by XXXX XXXX, demanding immediate payment of the full amount. The letter did not provide instructions for disputing the claim ( attached ). 

Reacting promptly, I called them on XX/XX/XXXX, and XXXX mentioned a potential settlement for {$10000.00}, subject to approval from XXXX. However, I expressed my desire to dispute the debt since I never signed any employment contract, neither digitally nor physically ( attached ). Coupled with the fact I did not hear back from the employer that the debt would be forwarded to a collections agency. On XX/XX/XXXX, I called XXXX again, but her attitude had changed. She asserted that XXXX would only accept the full amount and nothing less, which surprised me since I believe the debt is now owned by the The Commercial Collection Corporation, not my previous employer. Despite explaining my financial constraints, my offer to pay {$5000.00} lump sum immediately was denied. 

After our call, I sent a request in PDF format ( attached ) seeking more information about the debt and average payoff percentages to ensure fair treatment. However, as of the XXXX  of XX/XX/XXXX, I have not received any confirmation of receipt from XXXX.
Product: Debt collection

I have contacted the debt collector, Harris & Harris , Ltd., three ( 3 ) different times via their online portal as they ask you do to and verify the debt. They have failed to respond. I have emailed them asking them for information on my debt and, again, they failed to respond. I have no way of contacting them and they fail to respond to any messages I send. I also attempt to reach them via phone and they do not respond so I am unable to connect with anyone.
Product: Credit card or prepaid card

I have a PayPal account and a PayPal credit card and a XXXX XXXX Checking account. 
If I use PayPal, or the PayPal credit card the charges are then debited from my XXXX XXXX Checking account.. 

Recently there were two fraudulent and unauthorized charges I was alerted to by PayPal.

One was a debit from XXXX for {$240.00}. I contacted XXXX and they said there was no record for that amount and date for purchases or charges anywhere on XXXX. They said it was most likely fraudulent and I never authorized it. 

The other was from XXXX XXXX for {$50.00}. I did make political donations to politicians during the election cycle and I noted each in my checking account. I STOPPED making any further contributions after the last elections in Georgia. This charge was not one I had authorized and it was dated AFTER the last election and was not one of the ones I had checked against my checking account. 

I disputed both with XXXX XXXX on my checking account and they researched both of them and determined they were fraudulent and XXXX XXXX noted in writing " We have completed our research of your inquiry and returned the charges unpaid. As a result no money was deducted from your account '' I have filed two claims disputing both charges to PayPal and each time they have denied my fraudulent/unauthorized claims and I even spoke to PayPal people several times and quoted XXXX XXXX to them and then filed a dispute with them on their denial. 

They are still denying my dispute and claiming that I owe them {$290.00} for both fraudulent charges. Please help me get this resolved. They keep sending me notices and phone calls. I should not have to pay them since XXXX XXXX returned them as unpaid and determined they were fraudulent and even XXXX says there was no purchase or credit so it was fraudulent and unauthorized.
Product: Debt collection

On XX/XX/2018 Santander Consumer, reported a new amount owed of XXXX on a charge-off account. Also reported a missed payment. This car was a total loss XXXX XXXX and my Gap insurance paid Santander Consumer.