23daVinci/CFPB_Complaints huggingface dataset:
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Product: Credit reporting

I have come to the understanding that Syndicated Office Systems and Central Financial Control are one in the same. However, they are each on my credit score as seperate Company names, but with the same XXXX accounts and amounts for each. I will not pay the same bill twice through each company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX XX/XX/XXXX {$4100.00}
Product: Credit reporting or other personal consumer reports

There have been several instances of someone applying for credit cards with my informatoion but without my authorization. I have XXXX hard inquiries that have shown on my credit report since XX/XX/year> including XXXX XXXX, XXXX and Capital One. I have contacted XXXX and XXXX. They have reported the incidences as fraud but was told I would need to file a complaint here as well to elp clear my credit report from these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my report right away : XXXX  XXXX XXXX ( Original Creditor : PATIENT FIRST ) XXXX Balance : {$1400.00} ; 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I filed a complaint with the FTC for identity theft. Three of the five accounts listed are on my TransUnion  credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. The only item not included is a copy of my credit report as they have refused to provide me one for months due to their allegation that they can not supply one to me because there are open disputes. This is not the law. TransUnion did eventually put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Can you please help me get this information to them?
Product: Debt collection

I am writing to formally express my concern regarding the treatment I received from a representative at Navy Federal Credit Union. Unfortunately, the representative refused to provide her name and was extremely rude and dismissive during our conversation. 

I reached out to request a reversal on my account due to an urgent eviction situation. Despite my explanation, the representative told me I should have paid my rent earlier and questioned how I was using my XXXX funds in a way that felt highly inappropriate and unprofessional. I felt disregarded and disrespected during this interaction. 

Additionally, my funds were taken directly from my account without any opportunity to make arrangements, even though the account was already charged off. I do not understand why this action was taken without notice, leaving me in a dire financial situation. 

I am requesting an immediate review of my case and a reconsideration of my request for a reversal. I also ask that this complaint be formally addressed, as no customer should be treated in such a manner during a financial hardship. 

Please let me know the next steps regarding this matter.
Product: Student loan

In 2006 I took a a loan through XXXX XXXX ( now Navient ) in the amount of {$20000.00} to attend XXXX XXXX University in XXXX Michigan. I tried to contact them many times to work out a payment plan and they would ask for an upfront fee in order to ring my account up to date before proceeding. Once I gave them the money they would tell me that they could not do anything for me now and to call back before my next payment would be due to work something out. When I would call again they would not be willing to work out a payment plan. Since then I have stopped answering calls from navient who is also hounding my co-signer. They call on the weekends and at night time hours. Last week my mother informed me that a letter was sent to her home from navient saying that I have until XX/XX/XXXX 2015 to contact them or I would go into litigation. Why was this letter not sent to my address they have it on file. I do not see my parents every day. I have been doing research on Navient and it seems that many people receive agreements on payment plans but since they have not gotten anything in writing those plans are not honored. Many people on the internet advise to record the phone calls you have with them online. Today XX/XX/XXXX 2015 and I attempted to speak to Navient about my loan but NOT A SINGLE PERSON was willing to speak to me with the conversation being recorded and on top of that after inquiring why the representative was extremely rude and told me that she would hang up on me. Not even the account manager or higher ups were willing to speak to me under the condition of their voice being recorded. All I want to do is to be able to set up an affordable payment plan with this company but it seems that they are unwilling to work with their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which has been negligently reported and/or verified in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Negligence ). 

Disputed Information Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Inaccuracy : this account was written off/charged off Disputed Information Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : this accout is charged off/ written off Disputed Information : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off/written off Disputed Information : Account Name : XXXX  XXXX Account Number : XXXX Inaccuracy : this account is charged off written off Disputed Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : this account was charged off/ written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account was charged off/ written off Despite my previous dispute ( s ) regarding this matter, you have failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and have continued to report inaccurate information. This negligence has caused financial harm, including but not limited to : Denial of credit and financial opportunities Damage to my credit score and reputation Emotional distress and inconvenience Legal Violations Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the failure, as well as the costs of litigation and attorneys fees. Your failure to correct these errors, despite clear evidence, constitutes negligent non-compliance with federal law. Demand for Resolution To resolve this matter, I demand the following : Immediate removal/correction of the disputed item ( s ) from my credit file. Written confirmation of the corrections made. A detailed explanation of your investigation process and the evidence used to verify the disputed item. If this matter is not resolved within 30 days as required under 15 U.S. Code 1681i, I will be forced to escalate this issue by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting this matter to the Federal Trade Commission ( FTC ) Seeking legal remedies in civil court, including claims for damages, legal fees, and other relief as provided under the FCRA. I expect your prompt attention to this matter and look forward to your written response confirming the resolution of this dispute. Please send all correspondence to my address listed above.

Sincerely, XXXX XXXX
Product: Debt collection

last year XXXX I received a call from XXXX debt collector stating I owed money and a letter, I called the number on the letter and told the creditor that is was dismissed in the bankruptcy XXXX i had filed in XXXX. I did not hear back from them and now they have put the debt on my credit report this last week and it has been 10 years since the account went into collections and since it was dismissed in my bankruptcy. 
I don't know what else to do to get them to stop coming after me for this debt that was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FTC report with fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I want to emphasize that it's illegal to make threats of legal action without genuine intent to follow through. Therefore, please understand that I am fully committed to taking legal action against your company for failing to address the inaccuracies on my credit report despite numerous requests to do so. It's my understanding that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any erroneous information, yet you have consistently neglected to do so. 
The situation constitutes a clear violation of the FCRA, which outlines both remedies for consumers and penalties for non-compliance by reporting agencies and data furnishers. This letter serves as my final request for you to fulfill your obligations under the FCRA. If you fail to take appropriate action, I will have no choice but to pursue legal action against your company in my local jurisdiction. 

I value my credit integrity greatly, and your lack of professionalism and assistance is deeply disappointing. I am well-versed in my rights under the FCRA and am prepared to assert them to the fullest extent. I expect a prompt and comprehensive response from your end. 

XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

A credit card was issued in my name by XXXX XXXX XXXX. I was, and remain, I'm prison. I provided the Credit Bureaus a letter from the XXXX XXXX XXXX stating they had been hacked and my personal information obtained. 
This debt can not be mine and is not mine.
Product: Credit reporting or other personal consumer reports

I sent certified letters to all credit bureaus in XXXX stating I have been a victim of identity theft and highlighted all fraudulent accounts with a copy of the police report included. I received a letter back on the XXXX of XXXX from XXXX stating " XXXX XXXX at this time declines to block the information you have identified ''. On XX/XX/XXXX XXXX stated in a letter " Please be advised that XXXX, at this time, is not blocking information you named in your request ''. I never received a letter back from Experian. Additionally, I never received a copy of my credit report from any of them. 

I was able to get XXXX account removed from my XXXX XXXX report but then it was sold to a collection 's agency ( in the amount of {$900.00} dollars with another being in the amount of {$440.00} ) that is now reporting it to all bureaus. 

There is also an account with the balance of {$2500.00} that I have been trying to get removed with no luck. I'm receiving multiple emails and calls from them weekly for payments. I started making payments just so it wouldn't keep hurting my credit for missed payments until it gets removed. 

I don't know what else to do other than keep trying to pay off these debts that aren't mine that the credit bureaus won't remove so my credit doesn't keep getting worse. I am currently unable to use my credit and had to give up buying a house because of it even though I had an approval letter for a home before the identify theft occurred. 

Here are the fraudulent debts : XXXX OPENED XX/XX/XXXX XXXX & XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Fraudulent Inquiries Made : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted a lawyer to take more action against all the companies involved. All three credit bureaus, the collections agencies for harassment and the loan agency for harassment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. 

Please delete this account. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX camacho auto sales inc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about Experian, the national credit reporting agency. 

My complaint is about inaccurate and unverified information being reported on my credit report. The problem I am having is that Im explaining to Experian that 2 accounts listed on my report are not mine and I want them deleted. 

I wrote a dispute letter. Experian responded with a letter simply stating that the accounts are verified. I sent another letter asking Experian how they verified that the accounts. They sent me a generic response. They havent provided any proof of an actual investigation. They havent provided any proof that these accounts belong to me. Like XXXX did, I want Experian to delete these accounts for my file. 

Facts Are as follows : XXXX. ) Dispute letter sent to Experian disputing 2 accounts. Included with dispute letter is a copy of my XXXX report. XXXX recently deleted these 2 unverified accounts. XXXX recent deletion of the accounts is proof that accounts are invalid. They never belonged to me. 

2. ) I receive a letter from Experian stating that results of dispute are that the accounts have been verified. Experians letter provides NO PROOF that the accounts were actually verified or even investigated. 

3. ) I send Experien a letter asking them to disclose how they verified the accounts. I never had an account wit XXXX XXXX or XXXX XXXX so I asked for the documentation that was provided to Experian which proves the accounts belong to me. In other words, I sent a method of verification request. 

4. ) In response to my method of verification request, I received a post card from Experian on XX/XX/2020 simply stating the information is verified. However, they still have not provided any evidence of an investigation or proof that these accounts belong to me. 

5. ) XX/XX/2020 am forwarding my complaint through CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am reaching out to address an ongoing issue with my credit report. Despite previous attempts to resolve this matter, the inaccurate information remains uncorrected. 

This continued inaccuracy is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 ( a ) ( b ), which requires that consumer reporting agencies maintain the highest possible standards of accuracy. 

I have attached a letter that outlines the errors on my credit report. I urge you to correct this issue immediately to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter.
Product: Debt collection

Call me over and over. Will not state reason why unless I confirm my name. Did not give them permission to call me or give them my number. Placed a {$430.00} debt collection on my credit report. Don't know even for what.
Product: Credit reporting or other personal consumer reports

I setup a payment to come out of my account for XX/XX/XXXX for my secured and secured card with capital one .I had the money already in my account to settle that but capital one will send you a message that the payment is successful and still wait sometimes a week to take payment out which confuses other payments that you have setup.They later on takes try to takes the payment out and sometimes the money isn't all there because of other bills and you thinking they already taken it out.Capital one closes both my cards down wouldn't let me remake the payment right then .The secured card had {$500.00} of my money in there and they still reported it to the credit bureau that I owed them {$510.00} and {$500.00} and something for the unsecured and reported it that they were closed down costing me a XXXX point drop on my credit score and I can't even get another secured cared because my credit shows 2 over the limit cards.I feel I wasn't treated fairly and it hurted me a lot financially and I was never late.They did the same thing with my auto loan I was never late past 30 days so what they did was contact and ask did I need help with my payments and offered me a payment plan I took it not knowing that the way it was setup I was gon na get reported late.I have proof I was never past 30 days until the set me up on that payment plan.The reason why I was close to the 30days is the way I get paid at my job and that late payment hit me very hard .I tried to ask them could I get a first late payment wavered and they turned me down for that .I feel like I was a great customer I was never 30 days late on any of my payments at first.I would like to see if anything could be done to make right
Product: Debt collection

I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.