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

Heres a statement detailing how the account with XXXX XXXX XXXX violates specific codes : -- - The account with XXXX XXXX XXXX ( number XXXX ) violates several key regulations : 1. **15 USC 1666b ( Fair Credit Billing Act ) ** : The account, despite being paid and closed, shows a written-off balance of {$5000.00}. This suggests potential inaccuracies in billing records or settlement terms that have not been properly addressed or corrected. 

2. **15 USC 1681 ( Fair Credit Reporting Act ) ** : The reporting of this account as " written off '' could be misleading or inaccurate, impacting my credit report unfairly. The law requires that all information reported to credit bureaus be accurate and up-to-date.

3. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** : The continued reporting of this account as written off, despite its paid and closed status, may constitute misuse of credit information. This misreporting could adversely affect my creditworthiness beyond the permissible scope.

4. **15 USC 1601 ( Truth in Lending Act ) ** : The terms and conditions related to the accounts payoff and write-off should have been clearly communicated and accurately reflected. The discrepancies suggest potential violations in providing clear and truthful information about the loan 's terms. 

Given these violations, I request that all negative information related to this account be removed from my credit reports and that any inaccuracies be corrected immediately.Here is a statement addressing how the account, despite being paid, is impacting your ability to obtain a new vehicle and causing discrimination : -- - Although the account with XXXX XXXX XXXX ( number XXXX ) was paid and closed, the continued reporting of a {$5000.00} written-off balance is significantly hindering my ability to secure a new vehicle. This inaccurate reporting is damaging my credit report, resulting in higher interest rates and loan rejections. 

The negative impact of this account is not only affecting my financial stability but is also contributing to a discriminatory situation. As the primary caregiver for my XXXX son, reliable transportation is essential for his medical appointments and daily needs. The incorrect and damaging information on my credit report is preventing me from obtaining the necessary vehicle, which is crucial for managing his care effectively. 

This situation constitutes a severe hardship and discrimination, as the inaccurate reporting of this paid-off account is unjustly obstructing my ability to provide for my family. I urge immediate action to rectify this issue by removing the negative information from my credit reports and ensuring accurate reporting to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my identity was stolen about 2-3 years ago of my knowledge. I am requesting a review on my complaint. There has been fraudulents accounts listed in my name such as credit cards, car, apartment loan and etc. I am demanding removal immediately for i am a victim of identity theft.
Product: Debt collection

I owe Commenity Capital Bank about {$900.00} for XXXX  work. I have been paying what i can for about a year now. My balance hasnt shrunk at all, as a matter of fact when i ask for the total it magically goes up. ( Ex last month {$920.00}, this month {$1000.00} ) They call me about 2-4 an hour every day, when i dont pick up they call back with a blocked ( XXXX ) number. I have answered and ask for financial assistance since im the sole provider for my family and we live in the XXXX XXXX so its very expensive. They oblige but then the next week the calls start all over again asking for the full amount. Now when i answer i tell them this is harassment and they quickly hang up. I need help settling this.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my authorization as part of the breach. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX Account XXXX : XXXX o Date : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date : XX/XX/XXXX o Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made a payment as advised independently of over {$300.00} plus to close out this account as advised. After making this payment I was denied having my account closed because they said that I was supposed to let them process the payment but, I told them it made no sense because the payment already was processed. Now I called because they are sending me statements to seek assistance with the balance since Im not working but, when I called the representative told me that I can not get any hardship assistance and I now owe a balance of {$230.00}. I start out with a card of XXXX XXXXXXXX {$400.00}. This company appear to be doing fraudulent transactions. I ask for a manager every time I call and they say that the manager is never available.
Product: Credit card

For billing period XXXX my Adjusted New Balance as shown on my statement reflects {$520.00}. This was incorrectly calculated as the full adjusted balance was paid in the previous billing cycle and new purchases totaled only XXXX. The discrepancy appears once more in the most recent billing statement with interest fees added to the balance. The Adjusted New Balance on the statement for billing period XXXX is once again incorrectly calculated. 

I called Citi customer service 2 separate times on the morning of Friday, XX/XX/XXXX and spoke with 3 separate representatives. After several hours, I was not offered any explanation as to how the balance was calculated and was promised a call back from a supervisor within 24-48 hours. We are well beyond that timeframe and there is still not response from Citi.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I want reported accounts removed. 
XXXX XXXX XXXX for {$1400.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX XXXX XXXX XXXXXXXX been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me XXXX XXXX XXXX for {$3100.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX for {$2500.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me.
Product: Credit reporting

macys sent you and all XXXX credit reporting agencies a letter equifax has stated they verified all info and has put back 60 and 90 day late pays -- - you have the letter from XXXX saying they instructed the credit agencies to remove the delinquent payment history equifax has not done thishave written them sent them a copy of letter from macys but i guess there stupid people inclosed XXXX letter and credit report saying 60 and 90 day lates
Product: Credit reporting or other personal consumer reports

Upon checking my Equifax credit report, I spotted unauthorized and fraudulent inquiry that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open this inquiry and I have not initiated any transactions to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry ) XXXX XXXX XXXX XXXX  ( Experian Inquiry ) XXXX XXXX XXXXXXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX 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 investigate and Delete these items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attach and FTC report with 7 accounts and inquiries I did not authorize
Product: Student loan

My daughter has some private student loans with NAVIENT and we need assistance please. Im sure youll find this ridiculous and thats okay but we are petitioning to have her loans reduced, partially forgiven or ANYTHING that will get these ABSURD balances down. Ive checked the original amount of the loans and then looked at what the balances are now she isnt making ANY HEADWAY at all and has been making payments for EIGHT years. And your folks are telling her that her monthly payment will eventually need to be around {$1200.00} AND that she needs to make payments for another 28 YEARS!!! That is the most absurd thing Ive ever heard. Its like paying off a house! She only brings home just over that amount and she cant even live out on her own BECAUSE of THIS! 
Shes been working with your company IN GOOD FAITH she stays in touch ALWAYS makes her payments. Shes qualified for interest rate reduction in the past and has to requalify again and again - then as soon as the qualification runs out you people raise her payment AGAIN! Its ridiculous. I want to know WHO can get this rectified. As XXXX  Mother I WILL NOT STOP until we get this to a reasonable and manageable point for her. She is MOST willing to pay you but you make it IMPOSSIBLE and its  just nuts. Youre predatory and I know you have MANY pending lawsuits against you right now with the CFPB for for systematically and illegally failing borrowers at every stage of repayment. And I fully understand this You are STEALING money from young folks who are trying to have a LIFE. My child wants a LIFE she wants to be able to buy a house even LIVE IN AN APARTMENT on her own but because of Navient shes held back. And I just will not stand for it anymore. MY CHILD DESERVES A GOOD LIFE without the PAIN and FEAR of these ridiculous loans staring her in the face. Think about how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXXXXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.
Product: Debt collection

I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Bank account or service

Wells Fargo opened a checking account in my name without my knowledge.
Product: Student loan

I have federal student loans serviced by Utah Higher Education XXXX ( XXXX ). XXXX recently transitioned to paperless billing, and claimed to provide access to billing statements online. This is false. When logged in to my account, I can see the date of my most recent bill and am given the option to " view/print bill, '' but doing so opens a PDF with an error message. There is also a " paperless inbox, '' which claims " You Do Not Have Any Billing Statements to View. '' I called XXXX, and the customer service representative seemed to be aware of the issue with the error message PDF, but said only that the IT department was located elsewhere and she could not provide me an estimate of when it would be fixed. She also could neither provide a copy of the billing statement via email, or upload it to the " paperless inbox '' section of my account. Instead, she said my only option was to wait to receive a paper copy, which she had to " generate, '' that would be sent in 2-5 business days. I believe XXXX is intentionally making it difficult for borrowers to obtain their billing statements, by transitioning to paperless billing but then failing to make billing statements actually available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff Account Status : Closed Closed Closed Account Type : Installment Installment Installment Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Credit Limit : XXXX -- -- Creditor Remarks : PROFIT AND LOSS WRITEOFF -- CHARGED OFF ACCOUNT Creditor Type : Finance Finance Finance Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> FactorTrust, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX and attorneys are prohibited from deceiving or misleading Consumer while trying to collect a debt. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. XXXX XXXX XXXX XXXX and attorneys are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. The federal law that prohibits this is called the Fair Debt Collection Practices Act ( FDCPA ). False Statements. XXXX XXXX XXXX XXXX and attorneys may not falsely claim or imply that : Consumer have committed a crime by not paying a debt. Consumer was contacted by XXXX XXXX XXXX XXXX, XXXX Michigan and was informed that Consumer was being criminally charged ( Case # : XXXX ) for Breach of Contract and Defrauding a Bank for a XXXX XXXX  XXXX, not only is this not the vehicle in question but the date and amount is also incorrect and CFRP states that if there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only has the re-aging allowed a collection to remain on my credit reports in-perpetuity, but has seriously destroy my credit. Consumer was then informed that she will be arrested or imprisoned if not paid by XXXX XXXX from Judicial Services. Consumer also received a phone call from my bank XXXX XXXX stating XXXX XXXX XXXX XXXX and Attorneys have attempted to seize bank account but was denied. Team XXXX XXXX XXXX and Attorneys are also prohibited from : Misrepresenting the amount Consumer owe or the status of the debt, Threatening to take action that can not be legally taken or that is not intended to be taken, Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency. Consumer has sent XXXX XXXX XXXX XXXX and Attorneys several cease and desist letters which they have not honored regarding this civil matter.