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

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2022 Date that I discovered XXXX Total fraudulent amount : {$2800.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
SINCERELY XXXX XXXX
Product: Debt collection

I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP
Product: Student loan

I have been making payments to Navient through the XXXX XXXX XXXX in the monthly amount of {$67.00}. Every year I do apply for the renewal which includes the current income at the time of the application. In my application dated XX/XX/XXXX, my pay stubs showed an increase of my salary from {$38000.00} to {$43000.00}. This is an increment of {$5000.00} which represents 13.1745 % increase from the previous salary. I have explained to Navient this simple math by applying 13.1745 % of {$67.00} which will result on an increment of {$8.00}, therefore my new IDR payment should be {$76.00} and not the amount being asked by Navient of {$110.00} per month which represents an increase of 63.8683 %. My increase of salary is 13.1745 % not 63.8683 %. I have made contact several times with Navient customer service since XX/XX/XXXX with no resolution by them. Also, I have written 2 letters, being the last one on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.
Product: Vehicle loan or lease

I noticed that my car needed an oil change, thus, I went in for these services on XX/XX/XXXX. I took the opportunity to tell the dealer that my car was also making a weird noise and was pulling itself when I attempted to drive it, and commented that the water valve was not working. The dealer requested that I take it to their mechanic of choice, thus, I consented. On XX/XX/XXXX I called for an update, however, the mechanic informed that my car was in line for a revision/diagnostic. On XX/XX/XXXX the mechanic informed me that the car 's transmission and shock absorbers were not functioning properly and suggested that this be fixed immediately. The dealer informed me that these expenses were not covered by the car 's warranty, thus, I would be responsible for the costs of {$850.00}. However, I recall that when I signed for this car on XX/XX/XXXX I was promised 3 years of covered warranty for oil changes, faulty parts, etc. 

On XX/XX/XXXX around XXXX I went to the dealer to informed them of this issue and request that the dealer take responsibility for these costs. The lady revised my warranty and stated I had no warranty despite this previously promised to me for 3 years. 
The lady refused to provide a list of the warranties that my car does have and promised to follow up. 

On XX/XX/XXXX XXXX, I received another call from the dealer stating that if I chose to return the car, I had that option, however, I would not receive my down payment or the monthly payments previously made in return. 

I have only had this car for 3-months, thus I know that it will not be reliable or safe for my family in the long run. I would like to return this car for a more reliable car, however, I think it is unfair that I have invested into a faulty car and will not be compensated for the loss.
Product: Credit reporting or other personal consumer reports

Every collection on my Experian, transunion and equifax accounts all failed to provide me with original contracts and proof of ownership of said collections and derogatory reports on my credit report. I have been in contact with them to try to fix this and this is not interfering with my ability to buy a house. I have been fighting them since 2017. Some have fallen off of my credit report after the 7 year statute of limitations laws in place for Illinois however I should not have to wait for that for accounts that are not mine. I have requested a fraud lock on my credit report last year and the inquiries keep coming in as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting

XXXX XXXX XXXX Account XXXX is being reported incorrectly by XXXX XXXX XXXX, they indicate the first date of delinquency on the account is XXXX XXXX, which is incorrect. The first date of delinquency appears to be XXXX XXXX. I need this corrected immediately
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Immediate removal of these fraudulent items from my credit report. An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.
Product: Credit reporting or other personal consumer reports

Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from XXXX XXXX in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX  and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX is so intense that I was not allowed during that time to use my credit at all and was being XXXX XXXX XXXX XXXX. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX XXXXXXXX as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as XXXX XXXX is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

2013 I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin Senators office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

I was approved for XXXX - who keep telling me they sent the approved mortgage amount to my lender in XXXX! 
The Money Source - TMS can not provide any information on the XXXX  process though they have the option available on their website for struggling homeowners. I've contacted them countless times, where I was just encouraged to make the payment myself instead of relying on the approved payment from XXXX. Absolutely horrendous process. I've been kind the entire process and apparently that's the issue for not getting anything resolved. Now I'm sitting with a late payment and all I know is that my lender has no clue what's going on with no one knowledgeable on the XXXX  process or Goverment grants. I'm disappointed
Product: Credit reporting or other personal consumer reports

I am Calling in question the The illegal Collection accounts reporting on my XXXXXXXX XXXX XXXX # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a credit inquiry that appeared on my credit report from SYNCB ( XXXX ) dated XX/XX/year>. This inquiry is listed under SYNCB ( XXXX ) and was not authorized by me. 

I did not give permission for this inquiry and believe it to be incorrect. As this inquiry is negatively impacting my credit score, I kindly ask that you investigate this matter and promptly remove the inquiry from my credit report. 

Please confirm receipt of this letter and inform me of the actions being taken to resolve this issue. Should you require any additional information or documentation to process my request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX XXXX XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. 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 regards 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 XXXX XXXXXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for failing to appropriately address fraudulent information on my credit report. As a victim of identity theft stemming from the XXXX data breach, my personal information was compromised. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to request the blocking of fraudulent or inaccurate information on my credit report. However, XXXX has not taken adequate steps to resolve this issue. I respectfully request your assistance in ensuring compliance and the removal of all fraudulent entries from my report. 


XXXXXXXX XXXX XXXX XXXX Balance - XXXX Opened - XX/XX/XXXXXXXX XXXX XXXXXXXX Balance - {$6700.00} XXXXXXXX XXXX Date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX  XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediateXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately
Product: Credit card

My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. 

I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. 

I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. 

Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX