23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible Please remove the below listed items from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as settlement WAS ACHIEVED!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX, and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.
Product: Credit reporting or other personal consumer reports

XXXX has removed this account due to invalidity and i have tried to dispute from XXXX and equifax but unfortunately they have not removed
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Debt collection

On XX/XX/XXXX I was charged {$71.00} by XXXX and on XX/XX/XXXX I was also charged {$34.00} by the same company. I set it up where this is charged automatically to my Paypal Credit account each year for renewal purposes. With Paypal Credit, individual charges over {$100.00} qualify for a 6-month interest fee special financing program which I have done for years with Paypal on those kinds of purchases. Any amount under {$100.00} do not qualify for that and must be paid before the next billing cycle, or incur high interest charges. I make my payments online and Paypal does not give the option to specify which debt you want to pay towards/off. The site automatically determines that based on which one will be due the soonest. With that being said, since those 2 charges totaling {$100.00} are due before the next billing cycle which is XX/XX/XXXX ( told by one of their representatives when I called about this on XX/XX/XXXX ), I paid the total amount on XX/XX/XXXX. When I checked the account to make sure it was applied to those 2 charges, I saw that it was instead applied to one of the " special financing '' charges that isn't expired until XX/XX/XXXX. When I called and spoke to a representative, she even agreed that they would normally apply to what is due the soonest which would have been the 2 charges that were under the {$100.00}. She also stated that in order to specify where it should have been applied, I would have had to call Paypal to make the payment. She then advised she would send the case to their " Reallocation Team '' as she was not authorized t do so and that I would hear from them by XX/XX/XXXX. With the new billing cycle being XX/XX/XXXX, I am in no way confident that they will make any attempts to resolve as we all know interest is the way these companies make money and as far as I am concerned, that is the reason they didn't apply my payment as they were supposed to. I find these practices to be very unethical, especially during these times of inflation and financial hardships in the country. Even if nothing comes out of this complaint for me, I definitely want it public so consumers are aware of their practices before using them for purchases. I've attached pictures of the charges, the payment made, and the special financing schedule. They applied my payment to the XXXX charge that now has a remaining balance of {$320.00} when it should reflect a charge of {$430.00}.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$14000.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$290.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$850.00} Fraudulent Checking or Savings Account Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$500.00}
Product: Vehicle loan or lease

I always make my payments early. Up until now, they were always immediately applied. Now, however, they have selected to apply my payment on a date in the future. There are only two options when you pay these people online. Now or principle but next payment due. They have had mine pending for weeks. 

I also need to talk to someone about how they tried to scam me in the beginning. Instead of letting me pay for a protection plan by itself, they insisted on incorporating it into the loan itself. Which if they turned out not want to honor it, I would have been stuck paying it anyway. A month after having a vehicle I learned that there was a problem they were trying to hide with it. And this was on a 2018. These people are scum.
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 accounts, 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 accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$74.00} XXXX  XXXX XXXX XXXX XXXX : {$240.00} XXXX  XXXX XXXX XXXX Owed : {$58.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$74.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I contacted Conn 's to confirm payoff date for XX/XX/XXXX. So on Friday, XX/XX/XXXX, I contacted Conn 's to confirm the latest payoff but told my account has an additional {$1000.00} to the existing {$1400.00}. I asked why and Conn 's rep. told me that payoff due XXXX and payment late for this month. I informed Conn 's repeatedly that its store salesman XXXX errored when setting my payments ( 2 ) to beginning of month. He deceived me by saying it had been taken care of. However, as early as yesterday and today XXXX XXXX XXXX and XXXX ) Conn 's " collections '' reps. have been contacting me. Here are my concerns : 1. XXXX, Texas has been under a freeze of a lifetime, shutting down electricity and water, leaving 1.4 million households without help. 
2. No funding as the result of a week-long shutdown 3. Conn 's never provides support to disaster issues while saying it does. 
Not one Conn 's rep. has offered help but demands payments despite hardships. 
4. Busted water pipes, spoiled food and dealing with warmth are my priorities now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and needs to be resolved.
Product: Checking or savings account

My account was closed without warning and additional information on the closure was not given upon request. The company has threatened to withhold my balance from me as well. As this account is tied to direct deposit at work, I need it reopened so I can get paid and have my balance returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 8 months Ive been actively trying to rectify errors on my report and Navy federal & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from XXXX and a charge off by Bloomingdales all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and Experian numerous times letting them know that almost everything on my credit is fraud and to take it off also the collection items and inquires are all wrong and they wont take them off i did get a letter saying that my information was compromised on and before these data breaches and that i am the victim of identity theft. I want all this stuff removed off my report now.
Product: Debt collection

A collections account from Stafford group and associates appeared on my credit report. I never received any type of mail or emails about this collections agency. I didn't recieve any phone calls. I looked the company up to determine they are a debt collector. I wasn't able to locate the company that sold the debt to them. I placed a call to their customer service number. They said they loan was from XXXX XXXX. I informed them that wasn't my debt and I have no knowledge of this debt. They said they will take this as I do not want to pay the balance of {$3200.00}. I requested that they send proof that the loan is mine. I never received any communication from them. I have been fighting with the bureaus to have this removed because this is identity theft. I do not have any documentation from them. I'm not able to attach it to this complaint.
Product: Debt collection

Someone stole my identity and took these credit cards out in my name and forged my signature and lied on the application that was filled out to get the credit cards. 


This company did not do proper research on these accounts. 

I have already reached out to transworld systems company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Identity Theft XXXX  Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Financial Assets Management repeatedly violated my consumer rights by doing the following : I let them know the best time they can call me, NOT between XXXX-XXXX, which means they are legally prohibited from calling me at that time and they continue to do so.

They continue to harass and be abusive over the phone which is against the The Fair Debt Collection Practices Act. They have called at the times they are legally prohibited from calling during three consecutive days in a row, multiple times during those days and have acknowledge that the notes reflect that I have told them that they can not call during those times.

They use unfair and threatening practices such as stating that my employment has scofflaws and because of that I have a moral obligation to pay the debt. However, that policy does not pertain to private student loans. When I explained that to them the response was that they did not care and their only job was to obtain payment and they are not in customer service and they can and will speak that way to me if they want to.

They have also made misleading and false statements that were threatening in nature.

They find humor in getting the individual upset, they speak over them and when you are trying to explain to them that you want to work something out but can't at discuss it at this time ( again, they are calling at times they are legally prohibited from ) they ask inappropriate, condescending rude questions.

Furthermore, when I asked the to cease contacting me the response was, basically, " too bad, we will continue to contact you and obtain payment by any means necessary. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX  XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

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

Hello ; and how are you doing on today. My ongoing complaint is, that on numerous occasions. I have been denied credit and i sent in the denial letter, from the creditor, that denied me, to Equifax and on each occasion, i have not received my credit report in the mail.I have tried to retrieve, my credit report online, on their web-site and the problem insist. I called their telephone number, and i was promised, that i would receive my credit report in the mail ; and as of Today. I still haven't received my credit report. This has been an ongoing problem, with Me and Equifax, in pertain with my credit report. Something, has to be done. I am also writing my State Leaders in regards to this matter. Thanks