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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Student Loans are reporting on my credit report that does not match my personal information
Product: Debt collection

I have received notification from a company called Credit Management , LP seeking payment of {$260.00} for creditor XXXX XXXX. 

I wrote to Credit Management and asked them to verify this debt on XX/XX/20. 

I received communication back that they contacted their customer, XXXX, and XXXX said the bill is valid!! 
That is no way to verify a debt!!! There is no details about the age of the debt, no copy of a billing statement from the original creditor, the date that this debt became delinquent, etc. 
I have no idea what this is for. 

I wrote back to them again asking for verification in early XXXX, no work back.
Product: Credit reporting or other personal consumer reports

RE : Consumer Financial Protection Bureau ( CFPB ) Complaint # XXXX XXXX Received XX/XX/year> Account No. XXXX XXXXXXXX Dear XXXX XXXX, I received your letter dated XX/XX/year>. And in your letter, you state that I received opening disclosures that included the XXXX  XXXX XXXX XXXX  program notice that informed me of a {$35.00} annual fee. You are mistaken. I did not receive such notice. Please provide me with a copy of the notice that you claimed I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

XXXX some time in XXXX or XXXX got hit with a law suit by jefferson capital systems llc.
Product: Credit reporting or other personal consumer reports

I received notice from XXXX, XXXX, and Experian that XXXX XXXX had pulled a hard inquiry on my credit report. I called XXXX XXXX and spoke with XXXX. She confirmed that an application for a XXXX XXXX was in their system. They marked the application as fraud. XXXX committed to alerting the XXXX credit report bureaus. I contacted all XXXX  credit reporting agencies and had my accounts frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the XXXX Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end
Product: Credit card

To give you some context and brief backstory. XXXX XXXX XXXX credit card was around previous XX/XX/2023 sold and taken over by Barclays Bank. I have TWICE had this issue of making a payment over the phone with a CONFIRMATION CODE given and bank clearance only to have my payment NOT clear on their end giving this last time of lying claiming the inadvertent account number which with voice confirmation as well as it CLEARING my bank. I am a responsible RN for 20 years without interruption. And Barclays send a letter 11 days later with zero calls texts emails and charges me late fees and erroneous 30 days late fee on my credit. I spoke AGAIN WHERE I KNOW my voice is call is documented and recorded that after again a confirmation number given which they do not give UNTIL PAYMENT clears over the phone and frankly lied to. This is egregious business practice. 

My credit lowered almost XXXX points from their errors. This is habitually ONLY happens with Barclays and in the infancy of this business relationship. I have ALWAYS paid on time and take this very seriously. I spoke again XXXX and paid to get my account current and told to send their legal department information I am sending you folks with no avail. I have all supporting documentation clearing showing the payment and subsequent errors by Barclays Bank cc. I find this amazing and tedious and want THIS REMOVED IMMEDIATELY immediately and if not removed within XXXX business will have my lawyer help and escalate. I am a hard working high tax paying XXXX lady saving lives on a daily basis never asking for anything.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXX XXXX  XXXX  XXXX Balance : {$230.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX, and XX/XX/XXXX, I received correspondence via email from XXXXebt Collection Agency " HUNTER WARFIELD, '' alleging that I owe a balance of approximately {$160.00} to " XXXX XXXX '' In context, around XX/XX/XXXX, I submitted an interest form to Apartment Complex " XXXX XXXX '' inquiring about available housing. At no point did I communicate with/meet with a representative, tour the property, and/or sign a housing contract. 

Therefore, I do not owe, nor will I pay, the amount specified, and if " HUNTER WARFIELD '' does not promptly delete this collection AND remove all traces of alleged false debt from the credit reporting bureaus/agencies, I will also file a complaint against " XXXX XXXX '' as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX certified mail, requesting a full investigation into several inaccurate negative items on my credit report, as well as errors in my personal information ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). The inaccuracies include, but are not limited to, negative accounts with discrepancies, and incorrect names and addresses. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I ensured that my dispute included all the necessary documentation for identity verification. These documents were : A copy of my government-issued ID, A copy of my Social Security card, Proof of address ( such as a utility bill or official correspondence ). 
Despite fully complying with the FCRA 's guidelines, I received an inadequate response from Experian dated XX/XX/year>, stating that they would not process my dispute. Their claim was based on the reasoning that the dispute didnt appear that you or a properly authorized third party sent it to us. This statement is completely inaccurate, as I personally sent the dispute, and no third party was involved. Experians refusal to process my dispute is not only incorrect but also a violation of my consumer rights under the FCRA. According to the FCRA, when the accuracy or completeness of any item of information in a consumers file is disputed, the credit reporting agency must conduct a timely and reasonable reinvestigation to determine whether the information is inaccurate or incomplete. By failing to do so, Experian has disregarded their legal responsibility to address my concerns and investigate the disputed items. 
Experians failure to investigate has caused undue stress and harm, as the inaccuracies on my credit report remain unresolved. These errors may continue to negatively impact my creditworthiness, resulting in potential denials for credit, unfavorable interest rates, or other financial disadvantages. Experians refusal to investigate the dispute violates the following FCRA provisions : Section 611 ( a ) ( 1 ) ( A ) : This section of the FCRA requires credit reporting agencies to conduct a reasonable reinvestigation of any item that a consumer disputes as inaccurate or incomplete.Section 611 ( a ) ( 2 ) ( A ) : This section mandates that the agency notify the furnisher of the disputed information, which Experian appears to have failed to do due to its refusal to process the dispute.
Product: Debt collection

On XXXX occasions, the XXXX was on XXXX/XXXX/2015 at XXXX they called me at work. The XXXX time they called I was very clear that they were not allowed to call me at my place of employment and hung up the phone. They do not have my married name and ask for the wrong person. I respond by saying no this is not her, the continue to asked who I am. I respond by asking who they are, they only tell me there name. I have to ask specifically " where are you from '' They do not know my married name. On the XXXX occasion I did tell they that I was being harassed and I was contacting a lawyer and again to never call my place of employment again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. These items are not transactions conducted by me as the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Debt collection

Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. 

This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. 

This abusive language is completely uncalled for and illegal. 

Phone Number : XXXX Collection Agency Name : Capital Accounts LLC
Product: Student loan

Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.
Product: Vehicle loan or lease

On XX/XX/21 I applied for an auto loan with XXXX of XXXX XXXX XXXX. Upon supplying my information which included name, income, address and most importantly my social security number I was denied business for the extension of my credit. Its my understanding that per the Federal Reserve Act Section 16 that no application is denied and the amount of the application is received in legal tender. Its my understanding per that ACT that the application is money, and acts as money in this banking system. I applied for credit for an automobile with this institution and regardless of the reason for the denial I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX North American Credit Services, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX XXXX : Acct # XXXX, XXXX, XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, I will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$380.00}, {$100.00}, {$37.00}, {$640.00}. 
By not replying in a timely manner to my initial letter and you failed to provide me a copy WITHIN 5 DAYS. A debt collector is required to send me a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of XXXXXXXX XXXX XXXX  XXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately. 
I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/XXXX & XX/XX/XXXX