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

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  XXXX  XXXX XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, 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

I was divorcedXX/XX/2016, my ex spouse took control and responsibility for home mortgage, send info and copy of divorce decree pages showing this to Experian showing this, as a disputed item, they investigated and refused to remove mortgage and one revolving credit account from my credit report
Product: Credit reporting or other personal consumer reports

Since XXXX  I purchased a vehicle from XXXX and BridgeCrest is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.
Product: Debt collection

# # # Description of What Happened I received XXXX emails from National Credit Adjusters , LLC, regarding a debt originally from XXXX with an amount of {$310.00}. In this email, National Credit Adjusters , LLC, acknowledged that they can not legally sue me for this debt due to the expiration of the statute of limitations. Despite this acknowledgment, they continue to report this debt to the credit bureaus and attempt to collect it. 

I have a request for validation of this debt, including the original purchase agreement and proof of assignment. National Credit Adjusters , LLC, has failed to provide this necessary documentation. Furthermore, they have continued their collection attempts, which I consider to be unlawful and misleading. 

This ongoing reporting and collection activity have caused significant harm to my creditworthiness and financial standing. I have not authorized this debt to be reported, and the continued attempts to collect on an unenforceable debt are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the immediate removal of this inaccurate and unauthorized information from my credit report and the cessation of all collection activities by National Credit Adjusters , LLC. 

# # # Timeline : - **Date of Email from National Credit Adjusters XXXX LLC** XXXX XX/XX/XXXX & XX/XX/year> - **Amount of XXXX : {$310.00} - **Original Creditor** XXXX XXXX  # # # Actions Taken : - **Received Email Acknowledging Expired Statute of Limitations** - **Continued Reporting and Collection Attempts by National Credit Adjusters, LLC** -- -
Product: Debt collection

I broke a lease that only had 1 month left because i could no longer afford it. I had arranged it all with the leasing office and left the apartment in great condition. After i noticed that i had a collection for XXXX on my credit report i asked them to send me what it was for and they haven't. There is no way that i should owe XXXX. They are trying to gauge me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX/XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} COLLECTIONS XXXX {$200.00} COLLECTIONS XXXX {$270.00} COLLECTIONS XXXX {$52.00}
Product: Credit reporting or other personal consumer reports

National credit system, is reporting in accurate information. I submitted a complaint on XX/XX/year>. Please review the notes and my repones.
Product: Student loan

I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.
Product: Checking or savings account

Not sure if I am in the right place. I have an issue with my bank and XXXX. I was scammed on a site I was selling an item. I had never used XXXX. I got a legitimate looking email that said the buyer had to send more money to me to make it a business account. So they said they sent me payment for the item they wanted and {$200.00} extra. Then I had to refund them back the {$200.00} so I did, then another email came from XXXX and they said they accidentally sent an extra {$200.00} so I owed these people {$200.00} more. I didnt receive my money for my item for sale so I went to my bank and they said I was scammed. They looked into it and today got a notice they couldnt retrieve my money so I am out {$400.00}. Can you help?
Product: Credit reporting or other personal consumer reports

I have XXXX new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores. 
The XXXX fraudulent inquiries and the dates they were added to my report are as follows : XXXX ( Bank ) XXXX XXXX, XXXX  XXXX ( Bank ) XX/XX/2024 XXXX XXXX ( Hotel and travel ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mohela Information about my account : Account Summary As of XX/XX/XXXX ( ET ) {$0.00} Balance Loans Loan Date Status XXXX XXXX Consolidated - Subsidized XX/XX/XXXX Paid by DEPT OF ED XXXXXXXX XXXX Consolidated - Unsubsidized XX/XX/XXXX Paid by DEPT OF ED However XXXX my XXXX and three other credit reporting agencies still have my account listed as open.

I was on hold with MOHELA for two hours before I gave up and hung up the phone. 

Are you able to help?
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 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, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate false information to my credit report and will not provide me the validate information to wham or where they got the information that states this information is correct. 

I paid off my XXXX XXXX XXXX on XX/XX/2023, leaving a balance zero owe to the company. I have disputed this balance with Equifax 2 times along with disputing it with CFPB ON XXXX file # XXXX. Both times I provide Equifax copies my credit card statement showing No balance was due and that the account was paid in full. 

I even contact both Equifax and XXXX XXXX by phone and spoke with XXXX XXXX XXXX disputing department that the inaccurate information was being reported wrong on my credit report. I was assured by both Equifax and XXXX XXXX this will be taken care of ASAP. As of XX/XX/2023, I received a updated report from Equifax showing the same balance owed {$470.00} which is inaccurate. 

This has hindered me from applying for credit cards, loans and affecting my overall credit score which Equifax lowered from a XXXX down to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information and Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report, as well as to address several inquiries that were made without my authorization. I have recently obtained a copy of my credit report, and upon careful review, I have identified several inaccuracies that require immediate attention. 

The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Previous Address : XXXX M XXXX XXXX, XXXX, CA XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Current Address : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NV XXXX In light of the above inaccuracies, I kindly request that you take immediate action to rectify the information and update my credit report accordingly. I have attached supporting documents, such as copies of my driver 's license and utility bills, to verify the correct information. Please ensure that my personal details are accurately reflected in my credit report to avoid any further complications or confusion. 

Furthermore, I would like to address the following unauthorized inquiries that appeared on my credit report : Unauthorized Inquiry : Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX I did not provide any consent or authorization for these inquiries to be made, and I request that they be promptly removed from my credit report. Unauthorized inquiries can negatively impact my creditworthiness and should not be reflected in my credit history. 

I kindly ask that you investigate these matters thoroughly and take appropriate action to rectify the inaccuracies and remove the unauthorized inquiries from my credit report within the legally mandated timeframe. I also request that you provide me with a written confirmation of the corrections made. 

Please consider this letter as a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ). As per my rights under the FCRA, I also request that you provide me with a free copy of my updated credit report after the necessary corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the urgency and accuracy it deserves. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX
Product: Debt collection

ATG, collected on a debt that was stated sent to them by XXXX XXXX XXXX on a debt that was not owed, ATG verified the account number listed on attached check account number being XXXX, ATG ststed they tried to contact me by email and phone they did not the debt was from XXXX I did not receive anything from them and on XXXX XXXX and it was put on my credit on XXXX XXXX the strange thing about this is there is no way to verify the debt recently the debt or all debt from XXXX XXXX was transferred to ATG this has happened recently, in XX/XX/XXXX i have spoken to XXXX XXXX  and they verified the only amount owed was see attached XXXX, there phone number leaves a recording to contact Atg, i contacted XXXX  XXXX XXXX who ordered the services who also stated i had no debt owed or they did not see anything owed to them from XXXX, still not being able to verify i had to pay the debt to ATG again,
Product: Credit card

XXXX. On XX/XX/year>, I scheduled a payment to Citi Double Cash credit card using the XXXX  checking account XXXX. On XX/XX/year>, I found fraud activity and reported it to XXXX, the checking account was frozen due to investigation. 
XXXX. On XX/XX/year>, I saw a {$30.00} charge on my Citi Double Cash credit card for a " RETURN CHECK FEE '', I reached out to live chat customer service to explain what happened and the representative said I could get the charge waived the statement is out in early XXXX. 
XXXX. I called Citi customer service again in early XXXX, and the customer service suddenly said the charge could not be reversed. The same issue happened to my other credit card as well, none of them charged me such a fee, and I was able to switch the payment method much earlier than Citi Double Cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one started a new line of Credit on XX/XX/2022 with Capital one, I have not opened a new line of credit in over a year and it was not me. I want to alert and remove this from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Credit bureaus Re : Dispute of Collections Account # [ XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( Diversified Adjustment, date opened : XX/XX/year> {$1400.00} ). Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been hospitalized twice recently with COVID and have been unable to work.

Got behind with Security Finance. Made a payment as per agreement. Lady asked me to tell her when I'd have more payments. I told her I'd try to pay again by XX/XX/XXXX. She said that was not good enough, and that they don't offer payment arrangements. ( Actually she told me no payment arrangements when I called a month or so ago. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached Experian report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.
Product: Checking or savings account

On XX/XX/2024, bank decided to close my both accounts when my claim # XXXX, about {$2900.00} is in process and now it's invisible to me.