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

Subject : Urgent Dispute and Documentation Request for CitiCards Account No. Ending in XXXX Dear Sir/Madam, I am reaching out to urgently request the Consumer Financial Protection Bureaus intervention regarding discrepancies and unresolved issues with my CitiCards secured credit account, ending in XXXX. This account was initiated on XX/XX/XXXX, with a {$200.00} deposit aimed at credit rebuilding. 

Key Concerns : 1. Unexplained Interest and Balance Discrepancies : Post deposit, I noted accruing interest, leading to an unexpected balance that contradicted my credit rebuilding intent.

2. Credit Report Inconsistency : My XXXX report dated XX/XX/XXXX, indicates a {$310.00} debt, conflicting with my XX/XX/XXXX, statement showing $ XXXXbelow my initial deposit. 
XXXX. Account Charge-Off : Despite unclear communication, the account was closed and charged-off at {$310.00} around XX/XX/XXXX. 

Requests for CFPB Action : - Investigate and clarify the basis for the {$310.00} charge-off and report discrepancy. 
- Detail how my {$200.00} deposit was utilized against the accounts balance.

- Provide insights into the interest charges leading to the current reported balance.

This situation is critical as I am endeavoring to rectify my credit report for imminent financial activities. I have attempted to resolve these issues directly with CitiCards but have not received satisfactory responses or documentation.

Attached are relevant documents, including my credit report updates and the final account statement. I respectfully request CFPBs assistance in rectifying these discrepancies within the 30-day response period mandated by the FCRA and FCBA.

Your immediate attention to this matter will be greatly appreciated as I seek to ensure the integrity of my credit information.
Product: Debt collection

This debt is being held by XXXX for what I was told. They can not locate the account. They cant send me documents on the account. They cant discuss the account with me because its not there. Ive tried numerous times to get the information on this and take care of it, but theyre saying they do not have the debt. I asked him to remove it under the FDCPA and they said they cant remove it. I asked for supervisor they said supervisor cant remove it either. They gave me a number of XXXX to call to see about getting this taken care of. I call that number is disconnected. I called back and the person I spoke to as if they have no knowledge of this at all this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Consumer Loan

I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.
Product: Credit reporting or other personal consumer reports

XXXX REPORT NOT MADE AVAILABLE TO ME AS A RESULT OF THE EQUIFAX DATA BREACH I attempted to retrieve my XXXX report through XXXX  and received notice that it was unavailable. 

I then attempted to log in to the XXXX app as I have done before and the system stated my last name and social security number did not match.

To be sure I did not type anything in error I repeated and attempted to login three more times without success. The feature that allows for resetting my login credentials also did not allow me to move forward. I am a victim of Identity theft as a result of the EQUIFAX DATA BREACH
Product: Debt collection

Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXXXXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information regarding a charge-off listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : XXXX XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$550.00} I believe this charge-off is inaccurate and I've requested several times to have this information corrected to no avail, this is hurting my ability to move forward in my life. 

Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA, including the name and address of the furnisher of the information. 

Please send me a corrected copy of my credit report upon completion of the investigation, and notify any recipients of Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I carry debt on a private school loan. I receive at least XXXX calls per day from XXXX different numbers. I feel as though I am being harassed.
Product: Payday loan, title loan, personal loan, or advance loan

Tried to get a XXXX XXXX  line of credit for some dental work that I need to get done. I started the process on XX/XX/year>. I have sent them my paystub, bank information, tax returns and they kept asking for more information. I wasnt able to download the documents on their site because when I would log into my account it kept signing me off and wanted me to re-apply. So I had to send documents via email which I didnt feel comfortable doing since I had identity theft in the past. I also didnt have direct deposit because the bank account I had had fraud in it so my employer was giving me paper checks. I had given them my new bank account info. After a week, I gave up and told them to cancel the application because they just kept asking for documents. I want them to shred all my documents. They wanted an IRS form 4506 for authorization to get my tax return. I dont trust this company. They asked for my whole life information for {$600.00}. Shady!!! They need to be banned.
Product: Credit reporting or other personal consumer reports

My information was in a data breach I tried calling the consumer service number and they were not trying to give me my Information and asking for pictures of my id for verification
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : 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: Student loan

Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.
Product: Debt collection

I am writing to formally lodge a complaint against Midland Credit Management ( MCM ), a debt collection agency that has been reporting an alleged debt on my credit report. MCM has repeatedly violated my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by failing to validate this debt and continuing collection efforts despite my formal requests to cease and desist. 

Here are the details of my complaint : 1. Failure to Validate Debt : After receiving notification from MCM about an alleged debt, I promptly requested validation of this debt in accordance with my rights under the FDCPA. MCM has failed to provide any verifiable information to substantiate the validity of this debt. The provided a single bill. Despite their failure to validate the debt, MCM continues to report it to the credit bureaus, damaging my credit report and financial standing.

2. Continued Requests for Information Without Verification : Despite their inability to validate the debt, MCM continues to request personal information from me. This repeated demand for information, without any substantiation of the debt, constitutes a further violation of my rights under the FDCPA.

3. Continued Collection Efforts After Cease and Desist : Also, on one of our many calls I requested a formal cease and desist letter to MCM, instructing them to stop all communication and collection efforts regarding this alleged debt. Despite my request, I continue to receive mail and collection notices from MCM. This ongoing communication is a clear violation of the FDCPA and my rights as a consumer.

4. Impact on Credit Report : The continued reporting of this unverifiable debt on my credit report has caused significant damage to my credit score and has hindered my ability to secure favorable financial terms. I believe this is a violation of the FCRA, as MCM has failed to ensure the accuracy of the information they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I updated my insurance information to XXXX. XXXX did a background check on my driver 's license at that time. XXXX received from the company, Checkr, who does XXXX background check, some wrongful information concerning my driver 's license, causing XXXX to fire me. The information from Checkr, showed that on XX/XX/XXXX, I had a driving violation of XXXX XXXX, which was wrongful information. The actual violation was XXXX XXXX XXXX XXXX XXXX XXXX XXXX after change of name or address. In my case it was my address. I had failed to change my license to the address I was now living in the allotted time that I was suppose to. After back and forth phone conversations with XXXX and Checkr, it was to no prevail. On XX/XX/XXXX, I went to XXXX XXXX, in XXXX, MN., there I presented my document to them, they scanned my document and forward it to XXXX. I then contacted Checkr, who stated that they had received the wrongful information from my DMV, in Minnesota. I went to XXXX headquarters, today, XX/XX/XXXX, to get a certified document to show that the information that Checkr, is providing is incorrect.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX pesos Permanent Limited Account XXXX close my account even though I sent my id my address my bank statement but they already close my account eventhough I have my funds in there I already submitted all the focuments needed but they permanent limited my account and they keep my money for 180 days but the 180 days time frame have been fone up until now they keep my monwy they did not sent the email stating that I can withdraw my money. They still have the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit card

I had a Paypal account and an additional credit account that was originally called Bill Me Later, was added to my account. These accounts were eventually merged and just became a credit account on my Paypal account. After years of never using it, I received an email from Paypal that a charge was made on my account. Within 24 hours and actually within the same business day, I contacted Paypal via email and phone to tell them that I did not make any charges and any charge made had to be fraudulent. 24 hours later they contacted me to basically tell me " to bad '' stating that I authorized it. I disputed the charge again when the bill came. They again denied the claim providing a tracking number and proof of delivery from the company that made the charge. I investigated the tracking number and not only was the package not delivered, it is n't even for my address, clearly showing the entire transaction is fraudulent. The charge is also from a company that operates outside of the United States, sells illegal products that is totally against Paypal own policy and is clearly a front for fraudulent activity. I provided this information to Paypal and they still refuse to remove the charge when they could have stopped the entire transaction long before anything could have been shipped. They refuse to communicate with me and remove a charge that I have clearly shown is fraudulent and they have left me no other recourse of action that to escalate the situation outside of Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by XXXX XXXX, XXXX and Target the Dept Store.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
FRADULENT ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis is now saying I may be a victim of fraud this is complaint So I ask what have they done to correct the information that they deem as a fraud. Are they still reporting said information as fact? What steps have they taken to correctly report information? Please advise..18th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address doesn't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that doesn't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXXXXXX XXXX Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX Not XXXX XXXX XXXX please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Acima XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Notice of Code Violation Unlawful Debt Collection Activity in New York State Dear [ Acima ], I am writing to formally notify you of a violation of New York State debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), regarding your reporting or collection of a debt that is not permissible under New York State law . 

The debt in question, XXXX XXXX XXXX XXXX XXXX XXXX appears on my credit report. As per Section 380-j ( e ) of the New York General Business Law, certain debts are not collectible under New York State law , including those that have exceeded the statute of limitations or involve entities that are not licensed to collect debts within New York State .

Additionally, under the FDCPA ( 15 U.S. Code 1692e ), debt collectors and credit reporting agencies are prohibited from using false, deceptive, or misleading practices in the collection or reporting of debts. 

Specifically, I believe this violation includes the following : 1. [ Attempting to collect a debt after the statute of limitations expired. ] 2. [ Reporting a debt from an unlicensed debt collector. ] 3. [ Debt reported written off on XXXX ] 4. [ In New York, the statute of limitations for debt collections is three years from the date of the last missed payment. This applies to most types of consumer debt, Including credit card debt, personal loans and car loans. ] 1.Immediately cease reporting this debt on my credit report. 
2.Provide written confirmation that this debt has been removed from my credit file.

3.Refrain from any further collection or reporting activities related to this debt.

Failure to comply with this notice may result in further action, including filing a formal complaint with the New York State Department of Financial Services, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies. 

Please provide a written response within 30 days confirming your compliance. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized that I had damages on my credit report, according to the 15 U.S.C 1681 ( b ) ( c ) law, there should not be any damages on my report. Its a defamation to my character. In accordance to with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX Reported XX/XX/XXXX Amount {$6800.00} Reporting charge-off and late payments XX/XX/XXXX ( XXXX days late )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit and unauthorized inquiries.