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

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$4800.00} UNAUTHORIZED INQUIRIES : 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: Debt collection

They call my cell at least twice a day and my home line at least twoce a day as well.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a recent data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} Inquiries to Be Blocked and Deleted : 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: Debt collection

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft : XXXX XXXX  XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. 

In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards developing more effective strategies to protect consumers from the ever-evolving threat of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have stolen my information by someone and unknown collection is showing on my credit report and wrong address
Product: Debt collection

XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I went to Western Union to send money to a family member in XXXX for the urgent payment of school/exam fees. The intended recipient went to a location of Western Union in XXXX to collect the funds, but the payment was denied saying : " The payment was on hold ''. 

I immediately called Western Union from my home office and they requested to call me on the phone number that they had on file for me ; which I gave them the go ahead to do. Having called me ; all I was told is that Western Union has denied the transfer and that I will be refunded my money. I asked again for an explanation and the person I spoke to had nothing to say to me except that Western Union had denied transferring the money. 

Since I am a law abiding citizen of the United States, and that Western Union is accepting transactions from other resident aliens and citizens, I am of the opinion that I have been discriminated against. They have without any grounds refused to carry through with the service I paid for.
Product: Mortgage

Applied for a Home Equity Loan with Navy Federal Credit Union for {$120000.00} to make needed home repairs and I was told by the representative once I submitted my application that I was denied based on my XXXX XXXX. 
I told the representative that my score should be in the high XXXX almost in the XXXX and the representative said they use XXXX and I should obtain a copy of my report from XXXX and review my XXXX XXXX, because they use XXXX credit scores. 

I did not get the home equity loan. I applied to XXXX Department XXXX XXXX XXXX and I was approved for the Home Equity Loan for {$120000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with XXXX  on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables XXXX # XXXX This account is not mines Designed Receivables XXXX # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy
Product: Checking or savings account

My card was stolen and XXXX was spent at a XXXX while I was at work on XX/XX/XXXX, charge went through on XX/XX/XXXX. The same person also tried using my card at a XXXX and I got an alert via text and I confirmed I was not making this charge. My card was closed. I could not file a dispute until the charge went through. My husband filed the dispute, thinking that I had my card and that just the card information was stolen. The bank denied the claim because the chip was used to make the transaction. The chip was used because the card itself was stolen. The bank will not return our funds now, even though I have explained to them that the card itself was stolen. I was at work, clocked in, my husband was at work in XXXX, the charge could not have been us.
Product: Debt collection

On XX/XX/2020 a letter from XXXX XXXX XXXX XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a Citibank credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact Citibank directly because that is where the account originated. 

I contacted Citibank on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report were not given permission to do so.. 
XXXX XXXX XXXX XXXX XXXX Capital One Bank USA Please have removed from my report, thanks..
Product: Debt collection

After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...
Product: Credit reporting or other personal consumer reports

I had a credit card from Chase Bank and my consumer rights were violated under the Privacy Act. Chase Bank discloses that they do not share customer information with non-affiliated third parties, but they shared account information, my personal information, and transaction history. Per 15 USC 6802 ( b ) 1 ( B ) and ( C ) : B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I affirm that I was never provided the opportunity to opt out nor was I given any explanation of how to exercise these consumer rights and this has directly disabled my ability to access credit and resources. The evidence shows that they at least provided information to XXXX and XXXX who are not affiliates of JPMorgan Chase Bank.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely,
Product: Student loan

I am one of the people that was encourage to go into forbearance, but not told there was a limit to forbearance. My loan has ballooned to over XXXX, and I am being charged interest on the interest. And now, being told I have used up deferment and forbearance. I can not even begin to make this payment at this point, but only have hardship option which I do not meet. I am now being harassed with calls daily, and not helped by them at all. I have tried to consolidate but can not get anyone on the phone for this- I was given a phone and told to register but there it stopped. I do not know what else I can possibly do. Help! Please! I am being harassed.
Product: Debt collection

I have been going back and forth with XXXX XXXX representing Portfolio Recovery regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX  Credit Report is not a Hard Inquiry. I beg to differ. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX  Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. 

Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? 
Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. 

You have 11 Inquiries Inquirer Name XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.
Product: Credit card

Today XX/XX/XXXX, the representative said any payments above the minimum due were locked in to go to the deferred interest payments due XX/XX/XXXX and XX/XX/XXXXXXXX  since they have the highest interest. I said I read the credit card agreement and it said any payments in excess of minimum due will go to the highest interest rate unless deferred interest payment is due. Right now the balance for XX/XX/XXXX deferred interest has been paid off but XX/XX/XXXX has about {$900.00} balance. I asked to make sure my regular charges be paid off first since I have till XX/XX/XXXX to pay the XXXX. They said no since my payments are locked and they cant change it unless I pay off the deferred interest XXXX  first. Representative said even the specialist can not change it so I said this is a violation of your credit card terms agreement and the credit card act. She said no because your deferred interest has the highest interest rate and it is best for me to get that paid off. I said that is not due until the XXXXXX/XX/XXXX but my regular charges has to be paid first to avoid interest. She said she can not change the payment allocations and no one asks. Based on this, please investigate Best Buy credit card services since they are violating their own credit card agreements and the credit card act. Their phone number is XXXX. I told them that I have been their credit card holder for a long time and they usually apply my payments to regular charges. She said since I have promotions expiring within 60 days, my payments are locked in. The magnitude of this actual Best Buy credit card services action cost many consumers XXXX  of dollars and she said no one complains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX of Dispute- $ XXXX Medical- I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- Radius Global Solutions ... I told Radius the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Electronic payment was made from XXXX XXXX to a company that uses XXXX XXXX. The payment was made on XX/XX/2018 in the amount of {$180.00}. The payment cleared the XXXX account ( transmitted by Deutsche Bank Trust of Delaware ). XXXX XXXX refused payment to the company and returned the check with the reason " refer to maker ''. Both banks claim the other bank is the problem. The money is gone from my account and the receiving company has not been paid. We have tried everything ( both the payee and the payer ) without success. We have complete documentation of our efforts ( email ). I'm concerned there is not better consumer protection for electronic payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX/XXXX XXXX XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$530.00} I pulled my credit in XX/XX/XXXX and i noticed accounts that were on my credit report that were not mines. I reached out to each credit card company as well as all 3 credit bureaus and reported i was a victim of identity thief. Each company request i fill out and fax back the affadavit form they mailed out to me which i did and also attched a copy of my FTC report as well. I also wrote dispute letters to them and the credit bureau asking for original proof with something with my signature on it. the credit card companies sent me a copy of monthly statements that i nevered recieved before.I also recieved a letter from XXXX saying that that account was open fraudulent and that it was gon na be removed then they changed their minds about it. The credit bureau hasnt sent me any proof with my original signature on it as well, but keep saying the account is varified. Ive been dealing with this issue since XX/XX/XXXX and i havent recieved any original documents or my signature saying these accounts are mines.