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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX 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: Debt collection

Conns XXXX repeatedly calls my phone several times a day. ( up to 6 times a day, 3 times on average a day. ) I have never had an account with conns, and will NEVER shop with them if this is how they treat their customers. 

They claim my diseased father whom, I have had no contact with for over 25 years put me down as a reference. Which is a straight out lie, as my father never had my phone number, let a lone provide it to anybody as a reference. 

They repeatedly call my sister too. 

I have repeatedly told them not to call me, as I have my own medical issues and it is very stressful when they call back to back from different numbers for somebody who I have not seen or had contact with in over 25 years. 

Particularly when they know he is diseased, because they told my sister they would need a copy of his death certificate to stop calling. My sister who did have contact with my father paid money to get a copy of his death certificate, and provided it to them. 

However that did not stop the calls, they continue to call multiple times a day, the whole time knowing fully well that my father is diseased. 

I have received 23 calls in the last 3 weeks concerning this, which is ridiculous. 

I have even told them, when they claim they have to talk to him and as a reference I have to help them contact him. Their best possible way to talk to a diseased person is to try and talk to them at the cemetary. Maybe they could go talk to his headstone at the XXXX XXXX XXXX National Cematary and talk to him there. 

These calls need to STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled by XXXX XXXX. I was a customer ; however, they filed a judgment and the case was settled last year. They have no legitimate business purposes in accessing my report. It seems like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX - Collection Account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX  XXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXXXXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Throughout, I've guaranteed punctual payments for this account, ensuring they never lapse into arrears. However, I'm uncertain about the rationale behind notices of tardy payment annotations on my records. As per the regulation outlined in 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

I have no idea who you are. I made several payments to XXXX XXXX - paid what I could each month because of lost job. They Charged it off anyway. I owe you nothing - your agreement is between XXXX XXXX and your illegal debt collecting company. Please leave me along.. # XXXX XXXX I refuse to pay the debt you bought from from XXXX XXXX which went to a charge off on my credit report. That I could have resolved on time if XXXX XXXX  would have allowed me to pay it off.
Product: Debt collection

A phone call on XX/XX/XXXX ( XXXX ) with XXXX XXXX from Choice recovery took place regarding a debt collection attempt that I was unaware of. During this phone call, I mentioned that I do not remember ever receiving a bill from XXXX XXXX XXXX XXXX XXXX. because all my bills were being directed to my Lawyer. I explained that I was in a car accident where a vehicle hit me when I was stopped at a red light and the Lawyer was handling all the calls and the bills. 

At this point, XXXX XXXX from Choice recovery told me that he was no longer aloud to discuss this account with me by law and asked for my Lawyers number, so he could contact directly. I gave him my Lawyers contact information. 

Yesterday, on XX/XX/XXXX, I noticed that my credit score dropped 24 points!!! When I looked to see why it dropped, it stated that 7 new accounts were opened and the total number of derogatory accounts had also increase by 7. Looking into it further, I found that all 7 new accounts and 7 derogatory accounts were from Choice Recovery INC. 

Today XX/XX/XXXX, at XXXX XXXX I called XXXX XXXX at Choice and asked why they were attacking my credit. I was told y XXXX XXXX that they were unable to get in touch with my lawyer and by law they are not allowed to contact me without my Lawyer 's permission and can not discuss any other details about my case. I then asked to speak to his Manager. 

XXXX XXXX transferred a call to XXXX XXXX and she proceeded to repeat the same information that XXXX XXXX presented me with. I told her that I completely understand that they are by law not allowed to contact me with out my Lawyers permission, but if you couldn't get a hold of them, you could have at least informed of this information so I could call my Lawyer and have them directly reach out to you instead of just attacking my credit. ( They didn't get permission to contact me from my Lawyer but didn't get permission to attack my credit history either but they did!! ) I asked how a could get this removed from my credit history and she told me that I needed to contact my lawyer and have them contact Choice Recovery INC for something to be worked out before they could see if something could be done with my credit. 

They attacked my credit without my knowledge, without giving me a chance to resolve the issue, then hold my credit score hostage with no guarantee to fix my credit. How is this allowed? If they are not allowed to contact me by law and they don't get a hold of my Lawyer, I'm left in the dark till one day I get a surprise of a 24 point hit to my credit score!!
Product: Mortgage

I filed a complaint under number XXXX. I still do n't have all my escrow refund. It 's been three months. I am tired of calling the company, I am tired of the excuses, I am tired of the lies they send back as explanations, I just want my money!
Product: Student loan

On XX/XX/year> I received a response to my initial complaint through the CFP, regarding my private loans through Navient. Navient sent a me a Private Loan School Misconduct Application. On XX/XX/year> I I submitted and received confirmation that they had received it on their end. On XX/XX/year> I received an email notification saying my application was denied, but no specific reason as to why it was denied. I would like to know why my Private Loan School Misconduct Application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me. Please remove them under the law. I have included the identity theft reprot. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

You are reporting this account as a open account which it is not under FCRA compliance. This so inaccurate reporting and needs to be removed immediately. Please send me a complete copy of my credit report once this deletion has been removed.
Product: Credit reporting or other personal consumer reports

Date Today at XXXX XXXX  Date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX bday -- XX/XX/XXXX SS- XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Fraudulent Activity on My Credit Report Dear TransUnion , Disputed Inquiry Additionally, I am addressing this issue with the creditor directly to ensure there are no further unauthorized inquiries. 
Please provide a written response regarding the outcome of this investigation within the timeframe allowed by law. I appreciate your prompt attention to this matter. It is clear that my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code 1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. 
tolerated. 
Furthermore, I am invoking my right to demand that you cease all communication with me, except for providing the information requested in this letter. Please do not contact me by phone, mail, or any other means except to provide the information requested in this letter. Any further communication attempts will be considered a violation of the FDCPA. 
I do not expect to receive a verification of the item in question to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed.
Product: Student loan

I began repaying my parent plus loan for my son in XXXX XXXX  2017. From the very first time I have not been able to use the automated phone system, nor log into my account, and when I want to speak to customer service when the automated system says it " does n't recognize my acct number or social security number as a valid ID ' '' they schedule me with a " call back '' which is more than 24 hours later. I have to choose an appointment time to speak with customer service to make a payment. And quite often I am told " sorry that time is not available. '' I have been told many different stories as to what the problem is- including that my acct is linked to " someone else with the same social security number. '' This is frightening. When I ask them who it is- they tell me they " ca n't share that info with me. '' Yet they recently sent MY XXXX a bill with someone else 's name on it and then freely discussed my name with my XXXX. I am SICK OF DEALING WITH THESE PEOPLE!!!!! They have told me multiple times they can " fix the problem. '' And " a supervisor will call me. '' Which has never happened. This company makes it IMPOSSIBLE TO PAY THEM!!!
Product: Credit reporting or other personal consumer reports

I have been trying to follow up with my information being on the dark web because of security breaches of several of my very old credit cards. Hence I froze my account years back. I am now being sued for debts I did not incur on cards I closed. 
the XXXX score system I got my credit information from today has me with 3 different names. This is NOT accurate. My name on all of my ID is XXXX XXXX XXXX. The system actually says I'm XXXX XXXX. And a XXXX XXXX Please XXXX my name to the legal status that is on my ID. This is causing me many legal problems. XXXX XXXX XXXX Thank you so much.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

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

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX  Not my account XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX XXXX Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION.

I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED
Product: Credit card or prepaid card

I am resubmitting my first complaint because Elan did not give me a satisfactory response. I will expand on my complaint. 

OnXX/XX/XXXX, a payment of {$3900.00} was charged to my credit card. The finance company ( Elan Financial Services ) made an inquiry to XXXX Credit Monitoring on XX/XX/XXXX and found that I did not have an account with XXXX XXXX XXXX, the originating charge. Cardmember Services  notified me that there was a problem with my account. I called them and they told me that a scam had been made against my account and that the transaction was reversed. I asked who made the charge but they claimed they didn't know. They did know the charge came from XXXX XXXX XXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 

On XX/XX/XXXX, they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. 

I talked to 3 employees of Cardmember Service that told me they had no information on the transaction except that it came from XXXX XXXX XXXX. How did they come to the conclusion as soon as the transaction came through that it was a scam? Most credit card companies call the customer if they question a charge. Why was I not called about the charge? Were there multiple transactions like it? 

The Consumer Protection law requires that in replying to my complaint, Elan is required to provide the details of the transaction. Just because you state that I initiated the transaction and benefited from it, does not make it true. 

To fulfill that requirement, Elan must 1. Identify the owner/name on the account from where the transaction originated. 
2. Where did the purchase/service charged to the account originate ( city - state )?

3. What kind of account did the charge to my account come from?

4. What was the charge for? 

If Elan really has a Fraud Dept., they should have no problem obtaining the information. 

Your letter in response to my first complaint states that on XX/XX/XXXX, I initiated a fraud claim. That is not true. I was told by the person who sent me the XX/XX/XXXX letter ( who I called on XX/XX/XXXX ) that he referred my claim to the fraud dept. I called that person again on XX/XX/XXXX and he again told me he referred the account to the fraud dept. and gave me their telephone number. On XX/XX/XXXX when I called the fraud dept., they told me that nothing had been sent to them. They claimed ignorance of the whole issue. Your letter also states that at that time they issued me a new card. That is not true either. Maybe you should try to get your story straight. 

At that point the Fraud Dept. said they were through with the issue and would do no more.
Product: Debt collection

I received a letter from Renton Collections Inc. lawyer. On Wednesday, XXXX XXXX, I called in to Renton Collections in attempt to figure out what some of the account were as I did not recognize them. I was transferred to a XXXX XXXX who laughed when I told he that I wanted to know more about the accounts. She said " oh that's funny because you have already paid on these accounts. '' ( I had not ) she continued to tell me that I had paid them and that I clearly knew I owed these debts. She began raising her voice and continued to state I know these debts are mine. She then told me it didn't matter because they were already at their ( Renton Collections ) lawyer. She ended the phone call. I attempted to call back and was tranferred to someone else who has still not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

barclays has the wrong info for this acct and should be deleted # XXXX
Product: Debt collection

Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
Product: Money transfer, virtual currency, or money service

I received a cash app visa debit card I did not apply for. I tried to call Cash app and their XXXX the company did not reply. I've already reported fraud on another account. I'm frustrated that these companies just allow people to apply and send visa debit cards for them to scam other people in innocent peoples names. I placed a fraud alert with all 3 credit agencies, so they clearly used my social and didn't adhere to the alert. I want them to delete this account immediately. I want them to send me confirmation it's been deleted. This is fraud!!! I also think some sort of class action lawsuit should be filed on all companies allowing this to happen. They are supporting scamming and should be held accountable. Please please file this complaint with Cash App/ Square and ask them to delete NOW and notify me it's been done. Thank you
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in removing incorrect variations of my name from my Experian credit file. I have recently reviewed my credit report and found multiple inaccuracies regarding the reporting of my name, which I believe may negatively impact my creditworthiness. 

The following variations of my name have been identified in my Experian credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These variations are not correct representations of my identity and do not match the name I have consistently used in all legal and financial matters. I am concerned that these inaccuracies could lead to confusion and potential issues with creditors and services that rely on accurate credit reporting. 

I kindly ask that the CFPB investigate this matter and assist in ensuring that my Experian credit file reflects only accurate and verified information regarding my name. 

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

Sincerely, XXXX XXXX