23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. I have contacted Capital One on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? To add -- I've never even considered using Capital One. I've never received a single piece of mail to my home from Capital One. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Product: Mortgage

We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, are still being reported on my credit report when they don't belong to me.. Experian can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated verified but is reporting alleged account 2 times on credit report violation, XXXX Profolio recovery and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT Portfolio recovery and XXXX ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX  Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number ( private ), and an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of therefore mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of  the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/XXXX I attempted to open an account with TransUnion in order to check my credit and put a freeze on my credit account in order to prevent fraud. I was unable to open an account through their normal portal, and was presented with an error message and told to call their help number. After calling, I was told by the representative that they were unable to verify my identity because the social security number I was providing, was incorrect. I opened accounts with the two other main credit bureaus that same day with no issue. I was told on the phone that there was one bank that was reporting the social security number incorrectly. The solution that was offered to me initially was to send them a copy of my social security card in the mail to prove my identity. I objected, because I did not want to send sensitive information in the mail. I was then told that my other option was to contact the bank that was incorrectly reporting the information, and have them correct the error from their end. 

On XX/XX/XXXX TransUnion sent me a written letter stating that the source of the error was XXXX XXXX. This is a bank that I have not had an active account with since XXXX. I contacted the bank and asked them to update that information. They sent me a letter on XX/XX/XXXX stating that they had investigated the disputed information but found it to all be correct. 

Since XX/XX/XXXX I have had an open case with Transunion and have been told multiple times that my case was being looked at, investigated, that I would hear of a resolution, etc. XX/XX/XXXX I was told that my case would be resolved in XXXX business days and that I would receive a call with an update. I called XX/XX/XXXX and was told that my file was still being looked at by their maintenance department, I should have received a call back from their team but did not. The representative said that my social security number is still in their records as incorrect, and that the social security number actually belongs to someone else.
Product: Credit card or prepaid card

1. I have BEST BUY charge card. The card is processed by XXXX. 
2. Sometime ago I bought a few items and returned without using them and within the return period.

3. So, I do not owe any amount on the card.

4. Citibank, the Best Buy card processor has been harassing me for amounts which I do not owe.

5. Still, unwittingly I paid {$80.00}. 
6. I visited XXXX XXXX in XXXX XXXX, XXXX, XXXX and explained the problem. They said they can not help and advised me to contact Citibank.

7. I contacted Citibank, explained I do not owe any money to Best Buy. Citib ank stated calling me every day early in the morning.

8. Frustrated, I am submitting this Complaint to CFPB for resolution and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX  XXXX XXXX XXXX to advise them I did not apply for a loan with them and XXXX also Nowcom I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Product: Checking or savings account

I have a debit card with Alliant Credit Union. I do not use the card often, but when I do ( say, every 4-8 months ) it is usually for larger amounts ( XXXX  XXXX dollars ). Each and every time I try to use my card it is flagged as fraud and results in a long conversation with Alliant CU where the operator has to ask me a series of questions, then unblock my card, and then I try again. Often this is unsuccessful and has to be " unblocked '' again. Finally, this past holiday ( XXXX 's XXXX ) I attempted an ATM transaction and my card was declined at two ATMs. Alliant never called me, but they called my wife at her work. I tried calling Alliant directly, but I couldn't get a hold of anyone since they were closed for the holiday.

I called Alliant a day or two later and the root of the issue seems to not be fraud alerts but the root of the issue is explained that Alliant 's debit card system requires ATMs to use the chip on my card for the transaction. However, Alliant is unable to tell me which ATMs will use my chip and which use the magstripe. In fact, even if I go to " in-network '' and " fee-free '' ATMs that Alliant themselves advertise, the card still. does. not. work.

In the end, Alliant 's claim on their website of " 24/7 Acce
ss '' using ATMs is patently false ( https : //www.alliantcreditunion.org/bank/high-yield-savings ). I am willing to consider driving to an ATM that meets Alliant 's " chip-reading '' needs, but they can not tell me any.

So therefore, I am in the process of transferring my assets outside of Alliant. This is ridiculous.
Product: Debt collection

In XXXX of 2018 is when I tried to get lincoln to provide me with proof of this debt they would not show me that the debt was mine or provide me with a valid receipt or bill of any kid any and information other than that they wanted to get paid back and I owed a fictitious amount of money
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record, Follow-Up to CFPB Case No. : XXXXSYNCHRONY FINANCIAL Dispute dated XX/XX/2023.
Product: Credit card or prepaid card

XXXX months ago my credit card co. Sent my bill to an address that I never lived at by the time. I got the bill and sent it in it was late and i was charged slate fee.l called the customer service number and informed them of their error. ( XXXX ) XXXX. This month they are doing the same thing. I have tried to call customer service again to resolve this issue at ( XXXX ) XXXX but all I get are long stream of offers and at the end of them I get disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and very upset to see the below are still can be seen in there. I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. If you can not verify these accounts meaning they are fraudulent.
Product: Debt collection

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX I submitted an IDR application to move my loans into the XXXX  repayment plan. StudentAid.gov activity history shows the status of this application as " Completed '', along with a description that reads, " Servicer will choose plan ; user provided documentation of income ''. XXXX months later, the loan servicer, Nelnet, sent a letter dated XX/XX/XXXX asking me to " Please submit a new income-driven repayment plan application. '' The reason offered is the following : To consider income-driven repayment plan requests, we must have a completed application and documentation of taxable income ( if applicable ) as outlined on the application. We were unable to process your request because we did not receive all of the required documentation from you as noted in our communications to you, and due to the age of the request, your application has been closed. If you still wish to be considered for an income-driven repayment plan, please submit a new application. 

I have now submitted a new repayment plan application as of XX/XX/XXXX, after months of interest has accrued on the loans since the first application was submitted. I would like Nelnet to quickly review this application and place my loans in the XXXX plan.
Product: Credit card or prepaid card

Synchrony denied on-line credit for Care Credit product in XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX for a XXXX XXXX. These products cost approximately {$2500.00}. In all three cases an on-line generated denial was provided indicating only a credit score of XXXX. See attached file. 

In all three cases, no letter was sent to me from Synchrony Bank indicating the reason for credit denial. I believe this is in violation of the Fair Credit Reporting Act. 

The result of the denials, my credit score has suffered as a result. As of XX/XX/XXXX, no letters have been sent to me regarding this matter. Additionally, Synchrony Bank is not using my latest credit score from XXXX. The XXXX score they communicated on-line has not been current in several years. It appears Synchrony Bank is not purchasing credit history on a frequent basis or are unwilling to communicate why they used a XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account XXXX XXXX XXXX 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 XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

In late XXXX, I sought the services of an accredited non-profit debt relief counseling services, XXXX XXXX. My Barclays account is part of the debt management plan, and the plan was submitted to Barclays a few weeks ago. This morning, I was informed by the counseling service that " Barclay [ s ] is having an issue reviewing and responding to our proposals. It is an internal issue on their end that they are still trying to resolve. '' and to " Please be advised, the creditor has had this issue for at least two months so we do not except a response soon. '' Needless to say, this is of absolutely no help to me when it comes to paying off the acct.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : The Consumer Affairs ; Federal Trade Commission XXXX Consumer Financial Protection Bureau These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Experian received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX : Balance : {$21000.00} : Opened : XXXX XXXX, XXXX ( REPOSESSION )? 
Fraudulent Transaction : XXXX  : Balance : {$840.00} : Opened : XXXX. XXXX, XXXX Fraudulent Transaction : XXXX  XXXX XXXX XXXX : Balance : {$410.00} : Opened : XXXX XXXX, XXXX Fraudulent Transaction : XXXX XXXX XXXX : Balance : {$360.00} : Opened : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX & XXXX XXXX, XXXX XXXX on the CFPBs recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Experian to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX  Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor XXXX XXXX  Balance {$1900.00} Balance updated XX/XX/2022 2022
Product: Debt collection

I sent National Credit Adjusters a Debt Validation letter that the received on XX/XX/2020. In that letter, I clearly stated the clause below : " I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' However, National Credit Adjusters ignored this and continue to call me. I have proof of them calling after I asked them to clearly NOT to. 

This is considered harassment, and I have been stressed and mental anguish regarding this. 

I demand compensation in the amount of {$5000.00} for them violating my FDCPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.