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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX as contact number on report ) requested my credit report. 

On XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX ) requested my credit report again without any authorization or explanation.
Product: Credit card

XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have these hard inquiries on my report that I didn't authorize and have no knowledge of them and would like them removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Experian credit report it a bankruptcy from XXXX, XXXX, or at another third party that is illegal Virginia. Does not report bankruptcies That is the willful noncompliant
Product: Credit reporting, credit repair services, 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 blocking the erroneous information which 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need late payments removed from my credit report
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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, OH XXXX XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I contacted experian, transunion and XXXX about removing inaccurent information from my credit report and i have not recieved any responces back.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately. 

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
Product: Debt collection

I tried to pay debt in full they told me I could but would not remove from my credit also would not send a letter stating it was paid
Product: Payday loan, title loan, or personal loan

During the pandemic the company would change the term of the product that they were offering every three months after promising to keep the consumer at the new term that was offered. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after reaching out them on numerous time. After reaching out to them on XX/XX/XXXX to request a final assistance they stated that they only had one product for my situation. I ask ok tell me now about it. I was told that the Product would renew my loan term and time and any and all fund that was paid will not apply to the new term and my payment would decrease by XXXX $ to XXXX $ and it would add 5 years to the loan. I ask to see the full loan term I was told by the representative that I would have to agree to the term first before I could see the full break down. I expressed my concerns about that and that i would like to read over the documents he stated that he could not do so and that was the only option available. I told him I can not take that offer unless I have something to read in writing then the call was disconnected. I received a letter from Discover acknowledging they received my Request for a long term but was unable to enroll due to : You voluntarily declined to enroll. dated XX/XX/XXXX. I have the recording of that conversation.
Product: Credit card or prepaid card

My XX/XX/XXXX Capital One credit card statement showed my balance was {$3200.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance in full ( {$3200.00} ). On XX/XX/XXXX, I was assessed an interest charge of {$40.00}. On XX/XX/XXXX, I called Capital One customer service to inquire about the interest charge since I had paid the balance in full by the due date. The first person I spoke to said she could not determine why I got the charge and then consulted with someone else. One hour later ( put on hold numerous times ), the other person told me that interest was charged from the time the statement came out ( XX/XX/XXXX ) until the day it was paid off ( XX/XX/XXXX ). I then asked what the purpose of the due date ( XX/XX/XXXX ) was if interest was going to be charged from the day the statement was sent and not the due date. The rep said I had been under a 0 % interest rate for 12 months but the promo expired on XX/XX/XXXX. I asked how I would've known that interest would've started accumulating that day and not after the due date as it is with most companies?? She advised it should have been in the welcome packet I received in XX/XX/XXXX ( over a year ago ) when I opened the account ; she said they don't provide any notifications on the statements. She refused to remove the interest charge and when I asked to speak to someone else regarding the issue, I was advised I would have to call back and get someone else. I then called back and asked for a supervisor again who also refused to remove the interest charge. I explained I thought it was a deceptive business practice to begin charging interest on the date the statement was sent and not after the due date. I then requested to close my account if that is the way the company operates and is unwilling to credit an interest charge ( that should've never been applied ) for a good customer. They promptly closed my account without trying to retain me. I do not think it is fair for me to have to pay the interest charge and am requesting it be removed. I would've paid the balance in full on the day I received the statement if it was stated that I needed to. I never pay interest fees on any card. I feel the way they are handling this promo and interest rate period is very deceptive and an easy way to get unsuspecting customers to pay an interest charge as soon as the promo ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to disput info from my XXXX report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes XXXX minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another XXXX minutes. They repeat the first guy. I finally get XXXX supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call XXXX like XXXX guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from XXXX recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.
Product: Credit reporting or other personal consumer reports

became aware of this fraudulent account on XX/XX/2022 and immediately took steps to report the identity theft to both the creditor and the relevant authorities. I have also provided a copy of the identity theft report for your reference. 
I request that you conduct a thorough investigation into the fraudulent account and promptly remove it from my credit report. The presence of this account is damaging my XXXX XXXX and financial reputation, and I believe that its removal is necessary to restore my creditworthiness.
Product: Checking or savings account

I have been banking with NFCU since XXXX which is over 5 years now. A family member was seeking to open a bank account and I agreed to sponsor my family member so that they may open an account t with Navy Federal Credit union. On XX/XX/XXXX me and my family member went to the NFCU Beanch in person and he was able to open a checking and savings account. On XX/XX/XXXX I made an attempt to log into my NFCU online and app account and was given a message that advised me to contact NFCU. I contacted NFCU on XX/XX/XXXX and spoke with a supervisor by the name of XXXX, XXXX was very rude and disrespectful towards me from the very beginning. I then asked XXXX, why cant I log into my account and she stated that I needed to contact NFCU Security operations, I kept asking the supervisor to provide me with information as to why I wasnt able to gain access to my online account mans she said that I needed to just contact the security operations and that she could t tell me. This issue has tremendously caused me financial hardship and is causing me to get behind on my car payments, utility bills and access to any of my funds. I have a life savings of over {$50000.00} in my accounts and can not access those funds due to the horrible incompetence of NFCU and the unlawful and unexplained restrictions imposed on my accounts for absolutely no reason at all. I want NFCU to release my funds to me immediately so that I can pay my rent, utilities and my car payments. I also want to end my membership with NFCU and close my accounts and withdraw all of my funds and go bank somewhere else. NFCU is refusing to allow for me to end my membership and are holding my funds hostage at this time. I am seeking the assistance of this government agency to retrieve my funds from NFCU and for them to IMMEDIATELY RELEASE MY FUNDS.
Product: Credit card or prepaid card

Today I reached out and begged Capital One to take a payment from me today ( already had it scheduled ) and they would not help me. I had gotten my purse stolen, my grandchildren with me and we are over two hours from home. I happened to have my Cap 1 # in my car and asked if they could allow a payment and release the amount to my card, and they would not do it I have been the victim of identity theft and I've also been treated like a criminal and irresponsible person because of it. It's honestly been a nightmare. Capital One isn't any different than XXXX or XXXX XXXX? The people I dealt with were XXXX emp # XXXX, XXXX emp # XXXX, XXXX emp # XXXX ( he lied about this number ) and his supervisor XXXX emp # XXXX or XXXX ref # XXXX. After this I am cancelling this card and I will never again believe another company. I feel betrayed and beaten. thanks Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, need personal info updated, and accounts with clear violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, Equifax, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Product: Debt collection

I contacted XXXX XXXX which is the original people over the account, but they gave it to Debit Recovery Solutions but this account does not belong to me. Ive been trying to to get this dept off my credit for 3 years now
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against LVNV FUNDING LLC for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against LVNV FUNDING LLC regarding their collection practices related to a debt owed to LVNV Funding LLC XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : LVNV Funding LLC - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from XXXX XXXX services regarding a debt that is reportedly owed to LVNV Funding LLC. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account.

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on XXXX XXXX and XXXX are completely different. How can this be accurate if the XXXX bureaus are reporting different dates.

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within XXXX days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt. 

- **Section XXXX LVNV Funding LLC has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc.

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting LVNV Funding LLC, I have not received satisfactory communication or resolution.

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

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

This complaint is in reference to Fraudulent information contain in my credit file. I have reached out to the credit reporting agencies via phone and mailing address. I was told the FTC report I filed did not contain account numbers for each item listed. This is my second attempt to have XXXX clear up this matter. Every time I contact the credit reporting agencies via phone they pull up a file that does not relate to me. I have to be transferred to special handling department. Please I need help with getting this matter resolved. I understand filing a FTC report will block, delete, remove etc the items I have listed.
Product: Debt collection

Theyve called XXXX times about a water soft system, and Ive repeatedly told them I dont have whatever that is! They are saying they have my signature but I havent signed anything about a water soft system! I dont live at this address they say it is located! I was told by XXXX of there agents that this would be removed, and now I have to go through all this headache. Ive never been married ever, they are saying I signed this with a spouse. This is putting a bad impact on my credit report, not to mention it is reporting as a credit card, I dont have any credit card for this company! I would like this fraudulent inaccurate information removed from my credit report. I have attached a image of this reporting as a credit card, but how can a water system be a credit card! This really hurting me, reporting this false information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.