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

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

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

On XX/XX/2022 XXXX XXXX XXXX ran my credit and gave me a home loan inquiry on my credit. I am not searching for a home at this time. I am unsure how you can process a home loan application without checking identification.
Product: Student loan

I have been going on with this cycle with Navient/XXXX since I graduated back in 2008. I was unable to get a job in my field, and the XXXX XXXX XXXX I went to cut my program short ( due to lack of returning students ) so I was unable to obtain a XXXX XXXX to get the job I was studying for. Had to work minimum wage, and temp staffing. Was never able to make my full payments. I 've resorted to Sending what i could afford, only to get hit with XXXX in late fees each month each time my payment was n't enough. I tried forbearance/deferments which only ballooned my payments to about XXXX per month for both my private and my federal ( now consolidated ) loans. I am harassed daily and am about to be in default, despite me still sending them all I can afford. They said they were trying to reduce my payment but it was still about XXXX of my net pay for the month. Once I got hit with paying my own medical expenses, it only got worse. The daily harassment is an ongoing focus on my XXXX as I have often considered XXXX to escape this debt sentence.
Product: Credit card or prepaid card

I have problem with Best Buy store in XXXX, KY. Last year, in XX/XX/XXXX, the store issued a credit card to me. With that card I purchased a cell phone XXXX XXXX XXXX costing {$250.00} I paid {$64.00} ; meanwhile I had a family emergency that obligated me to go out of the country on XX/XX/XXXX. Before I left I urged my nephew to make payment every month on the XX/XX/XXXX. My nephew was at Best Buy store to make payment having the last four digits of my credit card. What was amazing, Best Buy associates couldn't find my account, they wanted the 16 digits of the card. The nephew reported to me and I copied the recto and verso of the card and sent it to him by XXXX. It did not take 3mn to receive the message. My nephew showed the copy of the card again they could not find my account. Again they want to have my social security number. I called my nephew and communicate the number to him. He was told by the same people that the social security number did not recognized. How come? It is the only social security number I have all my life, and it was with the same number used when they opened my account at Best Buy Store. Now how my nephew can make payment since they do not have my account. 
I came back in the country on XX/XX/XXXX. I personally went to Best Buy store and I experienced the same experience that my nephew had with them. This time they did try with my Kentucky State ID, the result was negative. They continue to send my statement by email and with these emails, they ask me to contact them. I did call them several times but each time I gave them the 16 digits the account is still unfounded. Even if it was a money collection, they should direct me to the company that collects their money and to which I can discuss how to make an arrangement ; but they continue to add fees from {$190.00} it was to {$320.00} with a minimum payment of {$240.00} I called to the number XXXX and I was asked my account number but the account was not found. My social security number was needed, again it was not recognized. I was transferred to another department where I met Mr. XXXX whom could not do anything good. He transferred me to another department where I met Ms. XXXX ; she did not give me what I was expecting. 
This time I use the number on the back of my cardXXXX to call the customer service. One lady pick up the phone and asked how she could help me. I tried to explain to her the whole history but it was too long ; she asked me to write down and to fax them at the number XXXX. It was on XX/XX/XXXX. I wrote the letter 1 plus other 3 emails I wrote to Best Buy previously and fax them the same day at XXXX. 
Till now I do not receive any response from Citi.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened on XX/XX/XXXX with XXXX account number XXXX another account opened on XXXX XXXX by XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies 3 bureaus : Experian, XXXX, and XXXX ) : Consumer Name : XXXX XXXX, Consumer Social Security XXXX : XXXX ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit card or prepaid card

Hi there, During the past couple of months, I've have faced some difficulties with my payments clearing due to me losing my employment and facing the unprecedented times with waiting to receive payment ( s ) from my unemployment claim. I opened an account with Capital One in XXXX of XXXX to build credit and I believe there is an error with there system as my three payments were returned. Two of the payments done in the month of XXXX and XXXX were returned due to delays with receiving my unemployment, which typically would have been available to cover my payments. Capital One closed two separate accounts of mine due to, " not being consistent with the expectations for account usage and violates the Capital One Customer Agreement. '' The letter is labeled, " fraud '' ; I'm not okay with fraud being labeled on any of my accounts, even if they remain closed. I outreached and spoke to two managers yesterday XX/XX/XXXX in an effort to receive assistance and was advised that they couldn't override the automated system ( s ), which I find it very difficult to believe. In my opinion, I don't believe there is anything fraudulent about trying my best to make a payment and the payment not going through. I'm not okay with being an American attempting to establish credit in a society where if I want to be successful I must have established credit. I don't think that Capital One effectively communicated with me to allow me to understand the Customer Agreement. I should have been educated on what Capital One expectations are and it's very unclear as to what their expectations are if they aren't clearly defined such as three rejected payment ( s ) forfeits all cards. At minimal I deserve to be communicated with by a Capital One representative and I shouldn't be brushed off by some Artificial Intelligence software which can't make exceptions or understand that a pandemic is going on and I'm fighting to do my best each and every day. I have several other questions, I'd like to be asked should Capital One respond. This has all occurred over the past couple of weeks.
Product: Debt collection

PAID DEBT TO PORTFOLIO RECOVERY SERVICES PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS.

IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

I received a call from number XXXX, XXXX, MO, for several days and without leaving a voice mail message. I called them back after a few days and they asked me if I was XXXX XXXX. I asked them what this call was regarding and company name. The representative said it was " CCI '', and hat there was a complaint against me and that I was going to be arrested and my property taken. I told her that his was an illegal debt collection practice and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/ Lowes Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Hello this account is pass 7 years and should be removed from my credit profile.. This vehicle is still affecting my credit score..
Product: Checking or savings account

XX/XX/XXXX - Opened Checking account with Upgrade.com using a promotional offer that credits {$400.00} to my checking account once I complete 3 debit card transactions by XX/XX/XXXX. I also opened a Credit account with Upgrade.com the same day. 

XX/XX/XXXX - Received Email confirmation the debit card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - Received Email confirmation the CREDIT card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I receive the CREDIT card in the mail at my home address on file with Upgrade.com. I still have not received the DEBIT card. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com, but the representative I spoke with wanted me to wait a few more days " just in case '' it arrived. She confirmed my address is correct. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to have my debit card replaced. The representative on the phone submitted another replacement request for the debit card. He confirmed my address is correct. 

XX/XX/XXXX - Received Email confirmation the debit card was resent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to escalate the issue as my address was confirmed to be correct by several different representatives. I asked the representative to escalate the issue and she said raised an internal ticket to the product team so they can manually send my card. 

XX/XX/XXXX - I still have not recieved the DEBIT card. I called into upgrade again to check on the status of the internal ticket and there had been no further updates to it. The representative on the phone asked for an update on the issue via the internal ticket. 

XX/XX/XXXX - Received Email confirmation the debit card was resent again to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I STILL have not received my debit card. There is no way to perform debit transactions with the checking account. There is no virtual card that can be utilized on the checking account. Furthermore, the Upgrade representatives I spoke with on the calls told me to call back later once I was closer to the promotion expiring to see if Upgrade will extend it. Upgrade has provided me no solutions in resolving this issue. They have repeatedly stated they do not expedite card ships under any circumstances and they have not provided me any other options or compensation other than repeatedly submitting requests for a new DEBIT card.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I requested the balance owed from the original creditor and have confirmed that it does not match what is being shown on my credit report.
Product: Mortgage

I fell behind on my mortgage payments during XXXX due to unemployment. I have been trying to work out a payment arrangement with Mr. Cooper, # XXXX, to pay something towards the arrears to prevent my home from being sold at auction at the XXXX XXXX 

I have working with the XXXX XXXX XXXX of XXXX XXXX DC. But do not qualify due to the outstanding amount due is more than XXXX. 

I have been a XXXX XXXX resident sent XXXX and do not want to lose my home. I feel that Mr. Cooper should provide me an opportunity to stay in my XXXX  now that I have been working for the past several years. 

I have been working with an XXXX, XXXX XXXX XXXX on a pro bono basis and Mr. Cooper is not cooperating with her on my behalf. 

I am reaching out to your office to seek assistance to stay in my home. 

Thank you
Product: Debt collection

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : DSNB/MACYS ACCOUNT # XXXX The DSNB/MACYS ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( XXXX ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly