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

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, TX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX, TX. 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Product: Credit reporting or other personal consumer reports

I have an american express card and i was not able to make montly payment for 1 month on it due to being in hospital. They reported my payment as late and it droped my score by XXXX points now i am.unable to get approved for any loans .i only.missed 1 payment and this is not fair.
Product: Debt collection

This company was contacted multiple times, along with the original company. I have had fraudulent claims on my credit report thoughput the past few years, and this one is listed as an account.
Product: Debt collection

They illegal purchased my personal information without my consent that violates the privacy act XXXX  and 15 usc 6802. my name has a copyright and im strict with someone using my name for any financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also 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
Product: Debt collection

This company keeps putting this insurance debt on my record for a address that I dont live at and I keep disputing it they take it off and keep putting it back on
Product: Credit reporting

I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.
Product: Student loan

Navient has listed an account on my consumer credit report. Navient is providing false, misleading and deceptive information to credit reporting agencies. Navient has failed to provide a full file disclosure. Navient did not provide an original contract from the original creditor with my wet signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I noticed I can not login on to Chase App during XXXX trip and it shows account locked due to unusual activity. I called two representative and they do not have any details about this incident except they said Chase has decided to close all my checking accounts. The only recent activity on my checking account is XXXX payment from my girlfriend for our trip. I hereby declare there were no suspicious or illegal activities on my account for the five years of opening.This was extremely disappointing and needed immediate action. I have all my funds in the account and several bills needed to be paid timely within a week from now.
Product: Debt collection

LVNV Funding LLC did not contact me about the alleged debt that they placed for collection on my credit report with the XXXX credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
Product: Mortgage

When I took out my Navy Federal Home Equity Loan, was informed they would waive all closing costs if I kept the loan for 2 years. It's been in excess of 3 years and I called to get a pay off, and they are charging me for a fee to file the satisfaction of the debt and stating they are not overcharging. I found online with OC Recorders Office, they charge {$20.00} and Navy Federal, although they never stated they would be charging for filing a fee for satisfaction of the debt, they are charging {$85.00}. Full disclosure was never done here on this and I dispute the amount - I have a document that shows {$20.00} that I have forwarded to them..
Product: Checking or savings account

I Opened A Virtual Wallet account on XX/XX/2019 With PNC Bank. I Was Not Giving A New Card And My Old Card Was Deactivted. Messaged PNC Via Online Chat Was Told The Card fee And expidted Card Would Be free. On. Monday XX/XX/2019 I Was charged For both the card fee and Was told they would monitor the account. and they will not .take it off immediately And that the woman XXXX XXXX Would not approve me for the promotion going on for recieving XXXX XXXX XXXX or XXXX dollars after sixty days and think that its very unfair Considering the hassle pnc. has given me regarding opening this new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX Hospital XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and Transunion that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.
Product: Credit reporting or other personal consumer reports

I was told that they could not prove proof of owership but that i owe a balance of {$2500.00}. I informed them that I was not aware of such an account and I was not the owner. The consumer begin to harass me with repeat phone calls from block and unknown numbers. The creditor phone number who is a 3rd party is XXXX
Product: Debt collection

I have written several disputes to Credit Solutions Corp. they have never responded. this is willfully neglectful. CREDIT SOLUTIONS CORP. is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. I am a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CREDIT SOLUTIONS CORP. is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that agency obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment.
Product: Checking or savings account

I received a check from Wells Fargo a while back but I thought it was fake. Now I see they have settled the case against them during the time of me having an account with them that I closed. I believe I am apart of the settlement.
Product: Debt collection

LVNV FUNDING LLC XXXX Have contacted me several times and got no answer. They've contacted my wife several times asking her to verify information. If the account belongs to me why don't they know the information they are asking for. I feel harassed. They call whenever and try to talk to you rough as if they are demanding. This account does not belong to me and by law after 4 months this account can not be sold to another debt collector. I feel as if my rights are being violated and this creditor is hurting my credit & my ability to obtain new credit. Also in accordance with the Fair Credit Reporting act # LVNV FUNDING LLC XXXX Account XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I want all the attached accounts to be removed from credit report.
Product: Debt collection

It's been brought to my attention that Experian has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXXXXXX with XXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.
Product: Student loan

In XXXX 2015, I made an arrangement with Navient of XXXX XXXX for a program called The Rate Reduction Plan. Per our agreement, I would successfully make XXXX auto-debited payments from my bank account and this would bring my higher payment which was almost a month past-due since I was making these lower payments, up-to-date. I have proof of XXXX successful payments, and an arrangement for auto-debited payments for XXXX more months. Navient went ahead and reported the pending past due amount to the credit bureau without informing me or my cosigner and thus greatly damaged our credit scores. This is unacceptable as I took proactive responsibility in making payment arrangements with Navient to avoid such actions. I was never informed by any agent or through the automated agreement over the phone, that the pending amount due would be reported. I was only told that once I made these XXXX payments, my account would be made present and start to reflect these new payments. My last successful payment was made on XXXX XXXX, 2015 and my pending amount due prior to arrangements is still saying it is past-due. It is impossible to find an agent who is fully informed on this process and this lack of cohesion reflects poorly on such a large corporation.
Product: Credit reporting or other personal consumer reports

I explained several times that my account had been hacked and that my information was currently on the dark web due to leaked information. 

XXXX XXXX XXXX- {$180.00}, XXXX XXXX XXXX- {$290.00} XXXX {$12000.00} US Department of edu- {$4300.00}
Product: Credit reporting or other personal consumer reports

80 % of the things showing on my credit should not be there, old address I never lived at, credit cards I never had, loans an payday loans I never got, I think this could be do to someone using my name fraud situation, My father has the same name in the passed he has got things in my name using my social security number, I did 10 days in jail for a situation that happened in XXXX XXXX were he was pulled over an he used my name an birthday, my probation officer violated me thout I was in XXXX XXXX, This has been going on for quite sum time. Please remove the things that doesnt belong Thanku
Product: Debt collection

I am a Veteran who was sent to an outside provider for care, in which 100 % of the cost was covered by the VA hospital. XXXX XXXX has been given an authorization form on 4 different occasions and was even contacted by a VA representative who attempted to resolve this matter. XXXX XXXX must go through the VA process in order to process their payment. This is a false representation of a debt because under 38 CFR 17.55 ( g ) the VA is the primary and exclusive payer for medical care it authorizes. As such you may not bill the Veteran or any other party for any position of the care it authorizes. 

This debt collection agency is violating my consumer rights because it is misrepresenting a debt that does not belong to me but the VA. This debt collection agency also violated my consumer rights to dispute my debt. When I asked to dispute my debt I was told that I could not do so because I did not owe the debt to their company but XXXX XXXX. I am more than happy to provide this debt collection agency a copy of my authorization form so they can see that I am not the responsible party for the debt.
Product: Credit reporting

Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by XXXX XXXX.
Product: Debt collection

I was taken to court by this company while I was out of the country at the time and was unable to appear in court to respond to the court date. Over the summer, I had unforeseen circumstances and fell behind on the payments that were forced upon me as a result of my not being able to appear in court. This has caused me emotional distress, and I am requesting that the remainder of this debt be removed because the initial judgment was unfair in the first place. Since I didn't have the opportunity to defend myself in the initial judgment, They are engaging in unlawful practices of intimidation and abuse in their collection activities. It is wrong and unjust. There are laws that strictly forbid this type of behavior. They also called last Friday at XXXX XXXX  regarding my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may access your information without permission from YOU first! Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.

Appreciatively, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit card or prepaid card

spoke to company and told them I recently reviewed my credit report and saw a collection account from them that i never had any knowledge of. I told them I never gave them permission to open the account and asked how the account was opened. I was disregarded and given a nasty attitude. I called multiple times explain that I did not open an account and it was hurting my life. I then decided to try and make payment for it to go away only for this account that i did not apply for grow larger. I never gave permission for Discover to furnish this account in the first place let alone open the account. Someone used my information to open this account without my knowledge and I have been suffering for it. I was told that there was evidence the account was opened without my consent from a representative. I move a lot and I never lived at the address that is on file it is my fathers address and he is old and sick.