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

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me. 

Thank you for your time and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account 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 account in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in processing disputes on my credit report with experian to delete all inaccurate information on my credit report that is hindering my file. please review an remove the invalid data to help clear my file asap.
Product: Vehicle loan or lease

I am writing in response to a recent communication I received regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I formally request validation of this debt.

Under federal law, you are required to provide the following information : Verification of the original creditors name and address.

A detailed statement of the amount allegedly owed.

Proof that you have legal authority to collect this debt.

Copies of any agreements bearing my signature that substantiate this debt.

Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit bureau, as failure to validate renders further collection efforts unlawful under FDCPA regulations.

Additionally, if you are unable to provide adequate validation, I request that you immediately stop all collection attempts and remove any negative reporting associated with this debt from my credit file.

Please confirm receipt of this letter in writing and direct any future correspondence regarding this matter to me at the address listed above. Any failure to comply with this request may result in legal action for violations of my rights under the FDCPA. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Product: Credit card or prepaid card

DEAR SYNCB/TJX CO XXXX XXXX Date Opened XX/XX/XXXX ) ; Attn XXXX XXXX XXXX XXXX XXXX negatively marked me late on my credit report on XXXX XXXX XX/XX/XXXX for up to 90 days. I think you got confused with the different account i had with you company. I have never been late with TJX. I reviewed my credit report and noticed that you continue to report inaccurate information on my credit report and shouldn't be reported as such. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Product: Checking or savings account

Nothing was done by my bank. There was a payment sent through zelle XXXX i tried contacting the seller with no luck on refund.
Product: Debt collection

I began receiving communications from Portfolio Recovery Associates regarding an alleged debt that I do not recognize. Despite multiple attempts to clarify the nature of the debt, I have not received sufficient documentation to validate their claims. Additionally, Portfolio Recovery Associates has continued to contact me, which has caused unnecessary stress and disruption, even after I expressed concerns about the validity of the debt. I have reason to believe that they have failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) by not providing proper validation and by continuing communication without the necessary legal basis. I have also not been provided with evidence of their license to collect in the state of New Jersey.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. Credit reports from different credit bureau are showing different inaccurate information. I had 60 day late payment information on a credit bureau and 30 day late payment on another credit bureau for the same account and date that was in fact paid on time. The reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/18. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If these payments can not be verified I demand these payments to updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

Six weeks - plus of e-mails, phone communications with representatives and mail asking for the full payment history starting with first payment with explanation of fees, etc., have not been received at this time. 

We are again requesting the complete payment history not a partial as provided before to be sent to us. This delayed response is very confusing as to why it is not more efficiently available on request. 

After all these weeks is it ready? please provide through the cfpb
Product: Mortgage

I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to your company detailing serious errors on my credit report. It has now been over 30 days, and I am so sorry to let you know that I have received no response. This prolonged silence and inaction suggest a potential violation of the Fair Credit Reporting Act ( FCRA ). 

The errors on my credit report are not just inaccuracies but obstacles that jeopardize my financial stability and future. I would appreciate it if you could act immediately to fix this situation. Your prompt attention to this matter is not just requested but demanded. 

Please understand the urgency and gravity of this situation. My credit and peace of mind hang in the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX  : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXXXXXX XXXX : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX was charged off as of XX/XX/2019. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Product: Debt or credit management

am writing to formally dispute charges on my account for services that were not performed. I engaged Lexington Law to provide credit repair services, but upon reviewing my records, I have found that I was charged for work that was either incomplete or not performed at all. 
The specific issues I have encountered include the following : I was charged [ list the amount ( s ) ] on [ date ( s ) ], but I did not receive evidence of any disputes, removals, or other actions taken on my behalf during that time. 
Customer service has not provided adequate explanations or proof of the work performed, despite my repeated requests. 
As a paying customer, I expect transparency and fulfillment of the services for which I am billed. This situation is both frustrating and unacceptable. 
To resolve this issue, I request the following : A detailed itemization of all charges to my account and corresponding documentation of the work performed. 
An immediate refund of any charges for services that were not provided. 
Written confirmation that my account has been corrected and any unauthorized charges removed.I kindly ask that this matter be addressed promptly. If this issue is not resolved within 15 days, I may escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) or my state attorney general 's office.
Product: Debt collection

Letters sent by XXXX XXXX XXXX XXXX XXXX for {$1700.00} XX/XX/21 Never heard of them before.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXXr system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Debt collection

Calls from Navient- five to eight times a day from early in the morning through to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

I am currently pursuing Public Service Loan Forgiveness. I have a subsidized and unsubsidized Stafford loan, which were initially applied for and I make my payments together as one payment. I submitted the PSLF Employment Certification form recently. My issues are as follows : 1 )  When I received updated information about my qualifying payments, I believe FedLoans has made some errors in calculating the number of qualifying payments I have made. When I spoke with FedLoans customer service representative XXXX # XXXX, she stated that I was not credited for some months that I should have received credit for. For example, one loan sequence states I have made 77 qualifying payments, while the other states 86. 

2 ) The number of qualifying payments should be equal. Without transparency on how they made these determinations, I do not have confidence that 86 payments is even correct. 

3 ) From XX/XX/XXXX until present ( XX/XX/XXXX ), I was placed into Post REPAYE  Alternative Plan for not completing my Employment Certification form. The new amount I have paid per month is greater than what I would be required to pay under a standard 10 year payment plan at the time I started repayment. Should these payments count towards PSLF? Since I have completed the Employment Certification form and have been with the same employer during the period of payment plan changes, can these payments be retroactively applied towards PSLF since, this amount is equal or greater than I would be paying on a qualifying income driven plan? ( This may not be within your powers, but if borrower A and B have the same loan amount and work at the same place of employment, and pay the same amount but one is on an IDR and another on a different plan, why does the type of repayment plan determine why one borrower makes progress towards eligibility for PSLF? ) This issue is unrelated but frustrating as a borrower. My inbox with correspondence from FedLoans only retains letters less than 1-2 years old. Why is this?
Product: Credit card or prepaid card

I had a purchase and it was almost a year. 
I was paying every month more monthly payment. When I investigate how much money I paid it looks like I paid more than what I purchased.when I reviewed my bank statement shows I am about to be done with this credit soon, but their statement shows different a mount than what I am expecting. Thanks I
Product: Credit card or prepaid card

Summary of Complaint with Capital One Credit Card Company : On XX/XX/2021, my wifes Capital One credit card number was stolen and used to purchase something from XXXX XXXX  XXXX XXXX XXXX  for the amount of {$95.00}. On XXXX XXXX my wife was still in the XXXX  after XXXX XXXXs and too physically and XXXX XXXX  to go online and make such a purchase. She XXXX XXXX XXXX days later on XX/XX/XXXX. At that time, my wifes credit card had a credit of {$610.00}. Capital One charged the account for the {$95.00} leaving a balance of {$520.00}. I attempted to dispute the charge since it was done illegally with a stolen credit card number. Capital One refused to accept a dispute from me because my name was not on the card. They informed me they would only accept a dispute from the card holder who at this time is deceased. I called Capital One three times to discuss this matter but they kept repeating that only my wife could file a dispute. I informed Capital One that I have a legal document from the State of Delaware when my wifes will was probated that states : That I understand that I will be submitting this affidavit to enable any person owing any money, having custody of any property or acting as a register or transfer agent of any evidence of interest, indebtedness, property or right of the decedent to transfer said money, property or right, or have such evidence transferred to me for the purpose of making distribution in accordance with the decedents will. Capital One would not accept this document. It is noteworthy to mention that other banks did accept this document where my wife had accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, in addition to the Internal Revenue Service. 
Capital One paid {$95.00} to XXXX which collects money for other companies. XXXX then would send the order and payment to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX by email and they would not provide me with any information but led me to believe they followed their procedure and paid XXXX XXXX XXXX  XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and spoke to the owner, XXXX XXXX, who insisted she never received the order and was never paid anything by XXXX. This is further proof that the purchase was done with a stolen credit card number. 
I believe I have a legal right to the original credit amount in my wifes Capital One card account of {$610.00}. The dispute of {$95.00} is an illegal purchase that Capital One needs to accept and deal with as they do with other illegal charges.
Product: Debt collection

My complaint is against Citibank Credit Card. I have a credit card for XXXX XXXX and was paying as agreed until my husband lost his job and I decided to enroll in a debt management program with XXXX to help me pay off all of my debt. for 5 months XXXX has been sending Citibank, proposals requesting them to lower my payments but they are not responding. They are being sent what the proposed payment should be but they are continuing to report the payment as " partial and continue to add late fees and reporting negative info on my credit report. 
I have called them and was given the information to send the proposal and even authorize XXXX to contact them on my behalf and they are not responding. 
Unfortunately, at this point I am frustrated by their lack of interest in helping customers in my situation. I have all the intention to pay and they are not helping.
Product: Debt collection

on XX/XX/scrub>XXXX XXXX XXXX  I sent a written document to XXXX, XXXX and pro collect to verify the debt. I also called on the same day contacted Pro Collect to send me a copy of the purchase agreement for the debt they bought with my signature. they could not provide that cause I did not give authority. I have asked all XXXX credit bureaus to please remove from my credit report due to I did not authorize this. I do not owe Pro collect anything cause I never was in an agreement with them. 

as 15 U.S Code 1692c ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

please have the companies above remove collect from my credit report for which I did not authorize. thank you
Product: Debt collection

I have a credit card on my credit that is making my credit look very bad .I have never personally Went on capital one and got a credit card! Someone else used my information. I also had addresses on my credit that I never lived at .Please dispute this XXXX XXXX