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

please review the accounts below that were reported, without any warning, it is hurting me.

Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Identity Theft XXXX XXXX  Account Number : XXXX** This is not mine.
Product: Vehicle loan or lease

I lost my job due to my car breaking down, which led to financial hardship. As a result, I was unable to make payments on my account with mid Atlantic I contacted the company on [ insert date ] to explain my situation and seek assistance, but [ describe what happenedwhether they refused to help, didnt respond, or didnt provide a solution ]. Despite my efforts, the negative mark remains on my credit report. 

I am requesting that [ creditors name ] remove this account from my credit report due to the circumstances beyond my control. I would appreciate a fair resolution to this matter.
Product: Debt collection

I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any XXXX XXXX that they do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 Balance : {$560.00} 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

I called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a collection account from my credit report, based on guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. Below are the details of the account in question : Account Information : Collection Agency Name : LVNV FUNDING LLC Reason for Removal Request : 1. Violation of FDCPA ( 15 U.S.C. 1692c ) : Under 15 U.S.C. 1692c, debt collectors are restricted in how and when they can communicate with consumers. The collection agency has violated this provision, such as unauthorized communication, improper notification, and other relevant reporting issues. Additionally, LVNV FUNDING LLC has recently reached out vis US mail asking for settlement after they have been told previously to stop.

2. CFPB Guidance : The CFPB provides oversight and guidance on consumer reporting protection related to debt collection practices. This collection agency failed to adhere to consumer protection standards set forth by both CFPB and FDCPA guidelines. The regulation is clearly states : Consumer Report. A consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : 1. credit or insurance to be used primarily for personal, family, or household purposes ; 2. employment purposes ; or 3. any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ).

I respectfully request that you investigate this matter and remove the collection account from my credit report. Please confirm receipt of this letter and provide me with a written update regarding the status of this request.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 
I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report. Upon reviewing my credit report, I discovered an inquiry listed on my report that I did not authorize or recognize.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the numerous and unsuccessful attempts I have made to correct late open accounts and remove a public record from my credit report. These inaccuracies are severely impacting my financial well-being, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple late open accounts that inaccurately portray my credit history. I have consistently made on-time payments, and these accounts should not be marked as late. Despite several attempts to have this issue corrected, it remains unresolved.

Furthermore, there is a public record entry on my credit report that is damaging my creditworthiness. I have no knowledge of this public record, and it is adversely affecting my ability to secure credit and financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the late open accounts and correct their status to accurately reflect my on-time payment history. 

Investigate the origin of the public record entry and remove it from my credit report if it is found to be inaccurate or fraudulent. 

Provide me with written confirmation once the late open accounts have been corrected and the public record has been removed from my credit report. 

Ensure that no further negative impacts occur on my credit report due to these issues. 

I understand the importance of maintaining accurate credit reporting and the impact it has on my financial future. I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to correct or remove the late open accounts and public record : XXXX XXXX XXXX  Balance Owed : {$2100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXXXXXX  I respectfully request that EQUIFAX resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.
Product: Debt collection

Repeated calls after speaking with agent and letting them know I would return call after contacting original debitor. Less than 12 hours gone by repeats calls to other family members, in-laws, spouse, spouses place of employment, out state relatives, repeated calls to 6 different relatives or connections in 1 hr after I fail to answer. Ive asked to only contact my number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX EQUIFAX/XXXX XXXX ============================================ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agreement. 
I paid in full the original loan of {$5100.00} in XXXX XXXX - I have a copy of my check ( apparently my check did n't get applied to the account until XXXX XXXX, XXXX ). I emailed XXXX in XXXX when I saw that the check had n't cleared yet. But XXXX via ECSI sent the loan account to collectors XXXX XXXX XXXX and I disputed the XXXX % late charges that XXXX/ECSI applied to my account XXXX XXXX which is what is still showing as remaining on my account. If any late fee was to be charged, it should have only been {$20.00} late fee ( each month over 61 days past due ) certainly not the {$1700.00} ( XXXX % late fee -- which is now showing as {$1200.00} for some reason ) which XXXX via XXXX XXXX XXXX are trying to collect from me. I sent documents detailing the dispute to XXXX XXXX XXXX last year. My credit score was already impacted when XXXX sent this to XXXX XXXX XXXX last year. Then XXXX sent the account back to ECSI to start this process all over again, which seems highly suspect. Now XXXX is sending my account back to collections XXXX XXXX XXXX a second time, which I disputed last time. All this is just going to cause more hassle for XXXX and XXXX XXXX XXXX, because I dispute and am not paying that XXXX % fee. I believe that XXXX needs to honor the agreements that are in writing in the emails sent to me and in the XXXX Transitional Funding Guide. The most I am willing to pay is the {$20.00} late fee, but I should n't even have to pay this late fee as I already paid the original loan in full last year. XXXX XXXX will deal with me in a fair and transparent manner. Telling me I would get a {$20.00} late fee in XXXX XXXX and then having ECSI charge a XXXX % late fee without telling me is wrong. XXXX has their loan money back- I repaid it last year. There is no reason to draw this out further, wasting time, money, and re-reporting this to a credit bureau again. Let 's come to a close with this. Let me know what XXXX will do to honor the loan terms in writing ( XXXX Transitional Funding Guide & XXXX Grants & Loans emails ) instead of trying to charge me a XXXX % late fee on an amount that was n't supposed to be charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Addresses on Credit Report Dear Sir/Madam , I am writing to formally dispute three incorrect addresses listed on my Experian credit report. The addresses in question are : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DC XXXX None of these addresses are current or previous addresses of mine. 

Below are my details for identification purposes : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX The correct address is as follows : XXXX XXXX XXXX, XXXX XXXX, MD XXXX I kindly request that you investigate and correct these errors. 

Please let me know if any additional information is required. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I expect a response within the 30-day period required by law. 

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

Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.
Product: Credit reporting

To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.
Product: Student loan

Called on XX/XX/XXXX asking why my payments since early XXXX have been getting deferred. I checked my banking info on the account and everything is correct and theres enough money in the account but even after receiving confirmations from Nelnet, they dont credit my payments. 

I have also been accruing over {$400.00} in interest during this time because their system wont take my payments. XXXX on the phone told me that this has happened to other clients as well and that there was no resolution for this issue but I could try autopay from my bank ; which I have already done. I will also not be refunded any of the {$400.00} and it will continue to grow unless I somehow fix this issue that I dont believe is something fixable on my end. 

I have emails showing my history of receiving confirmations of my payments even though they do not show on my nelnet account of actually processing. I have tried to submit well over {$6000.00} since XXXX of XXXX. 

I have always been someone who makes payments on time and was never late when I used XXXX. Unfortunately they are closed and they automatically switched me to Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my complaint is XXXX was not completed to my satisfaction. 

How does SRS have standing when the documents they sent you does not have a contract to collect from original creditor? What authority do they have? 

How did State Recovery Systems ( SRS ) verify I owe them money on a debt? 

I deserve to know the method used to verify this debt. I demanded original wet ink signature on application, not provided. 

Look at the documents they uploaded. There is no contract between SRS and the original creditor. 

How can they verify a debt that they have not proven is owed to them? 

Is this a violation of FCRA 1681 and section 609? FDCPA? 

Also I sent them a certified notarized letter that states that I do not recognize the signature on the contract that was claimed to be mine on a contract, I did not sign that, it is not my signature on any application and someone forged my name. 

Please have them remove negative reporting to 3 credit bureaus.
Product: Debt collection

On XX/XX/20, I received a statement amount of {$130.00} from collection agency XXXX XXXX. This bill was generated from XXXX XXXX  which contains the {$40.00} amount for XXXX XXXX as well. I made the settlement payment of {$100.00} on XX/XX/2020 with XXXX  XXXX. I thought this matter was resolved until XXXX sent a " final bill '' of {$40.00} to a third party collection Agency entitled Sequim Asset Solutions in XX/XX/2020. I already paid this final bill and XXXX  XXXX can validate this payment. I am requesting that XXXX follow-up with the collection agency and cease attempting to retain this alleged {$40.00}.
Product: Checking or savings account

In XX/XX/year> there was an overdraft for {$5.00} which is the threshold before being charged an overdraft fee. They still charged me the overdraft fee and put it on my credit report. Im requesting that they reverse it and take it off my credit