23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently informed CREDIT ACCEPTANCE CORP along with several other companies that I had been a victim of identity theft. XXXX XXXX from XXXX XXXX called me and spoke with me in great detail about the case and assured me that she would take care of it. 

In the call she asked for proof that I didn't live in Hawaii at the time the vehicle was purchased, which was XX/XX/XXXX. In XX/XX/XXXX I was living in XXXX, NV and provided proof of this in form of renters insurance. I also have many witnesses both personal and via social media as I'm a full time XXXX and XXXX creator, and my entire life in recorded online. 

On XX/XX/XXXX I received a reply via the CFPB website stating that they listened to phone calls, checked email addresses etc. and they conclude the loan is mine. 

Someone who had identity theft will clearly have someone using as much of their information as possible, to obtain goods or services. So having my information in their system is no surprise. 

What is a surprise to me is the fact this company did NO investigating into where the car is, who has the car or anything else. I however hired a private XXXX, and the following information was uncovered ( which was provided to XXXX XXXX as well ). 

XXXX. ) I left Hawaii in XX/XX/XXXX and moved back to XXXX XXXX. 
XXXX. ) In XXXX I moved to XXXX, Florida with my mother. 
XXXX. ) I have not step foot on Hawaii since XX/XX/XXXX XXXX. ) I did not give anyone permission to use my credit to purchase a vehicle. 
XXXX. ) I called The XXXX XXXX XXXX XXXX XXXX XXXX to inquire about vehicles in my name. I was given the XXXX and current license plate of the vehicle. It was discovered the license plate was changed the SAME DAY the car was registered, and CREDIT ACCEPTANCE doesn't have the current plate. The current plate is XXXX Furthermore the license plate has been expired since XX/XX/XXXX. And the safety expires XX/XX/XXXX. 
XXXX. ) I ran a XXXX on the vehicle and found the car has been serviced at the same dealership since new ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ) It was serviced on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX. ) I called XXXX XXXX and spoke with a few people in service. I was told that each time the car is brought in, its a heavy-set XXXX female. I was also given an address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told the name they have is " XXXX '' but no last name. 
XXXX. ) When I was speaking with XXXX XXXX, she asked me about XXXX XXXX XXXX and I informed her this was about fake account that was set up in my name and I'm currently working with City and County of XXXX to have this closed, as I do NOT own any businesses in Hawaii, nor do I reside there. 

This is my XXXX attempt to have this account closed and removed from my credit report. I'm currently looking to retain an attorney to file a lawsuit against CREDIT ACCEPTANCE and XXXXXXXX XXXX XXXX  XXXX where the vehicle was purchased from. If this account is not closed and removed I will be seeking damages to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed unauthorized access to my personal information, including Social Security number.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to XXXX and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. Transuinon and XXXX are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both XXXX and Transunion are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : XXXX, and collections : XXXX. So where exactly is my deragatory mark??
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


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

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A states I have the right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( XXXX ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 

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

Debt is charged off which mean debt is forgiven by law and should have a balance of XXXX. Legally they are issued 1099-c and it is a tax write off
Product: Debt collection

I am unaware of this debt, at no point in time was I given the oppurtnity to dispute OR resolve this debt before it was placed on my consumer report which is my right as a consumer & a violation according to 12CFR1006.34 ( c ) ( 4 ) ( i ) in the FCRA . I also received no proper notification ; if in fact if you believe I received proper notifaction of this debt please provide the certified mail receipet baring my signature stating that I received it. This collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ). This collection agency is violating my rights by using false misleading, misrepresentation and deceptive means. I want this account removed immediately due to all of the violations or I will be seeking litigation to further this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXX XXXX  sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 ALLY sent a letter stating they can not issue credit for my request of FINANCING FOR SERVICES AND/OR PRODUCTS. I never applied for this. 
XXXX XXXX XXXX RETAIL CREDIT was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Product: Debt collection

I have constantly told Reliant Capital Solutions to stop contacting me yet they continue to text me claiming Im some woman that owes them debt. I replied multiple times for them to stop communication but they continue to send me messages even though Im not the right person and owe them no debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer DOB : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 a auto loan ; ; and credit card, and any other accounts from XXXX XXXX with a balance of {$3400.00}, XXXX With an unknown balance. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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.
Product: Debt collection

Hello. The company is Sunrise Credit Services the amount is XXXX The debt was XXXX XXXX XXXX before it was given to them and reported on my credit file. Long story short. I had a representative from XXXX & XXXX call me for new cell phones, he came to my house and activated the phones but added an extra line to my account. After 4 hours he was able to fix the problem, but the first months bill was XXXX dollars. I called the representative for weeks he tired but said there was nothing he could do and he was sorry. XXXX XXXX XXXX turned my phone off and wouldnt take any form of payment. I had to find another phone service and I lost my number of 10 years. I called me multiple times they couldnt find the account, months later they called and told me I owe them XXXX dollars I only had the phone service for 2 or 3 months before the termination my service. They wouldnt let me get on a payment plan, so I could keep my number. Please help me get this debt off of my credit report I was treated fairly by this company due to the fact I called them multiple times about the account and was told they didnt see anything on the account. The telephone number that you have saved on file is the number that was terminated due to there unfairly acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - fraudantly ran my credit report for a mortgage without my permission, did not verify appropriate SS, License information before submitting inquriy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I made future payment arrangements via the online account portal scheduled for XX/XX/2019. On XX/XX/2019, I received a text message inquiring about my payment, to which I responded that I had already made arrangements. On XX/XX/2019, I received an email later that day regarding the same payment. On XX/XX/2019, I received a letter in the mail regarding the same payment. Finally, on XX/XX/2019, I received another email regarding the same payment. I feel as if my rights have been violated, and feel as if I am being harassed by this company for a payment arrangement that has already been made.
Product: Credit reporting or other personal consumer reports

I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
XXXX. XXXX XXXX  : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : XXXX. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
XXXX. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
XXXX. XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXXXXXX XXXX  and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : XXXX. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( XXXX, XXXX, TransUnion ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and an unknown item XXXX XXXX XXXX XXXX XXXX on my credit report. It has been over 45 days since I sent out that letter and I still have not received a response yet. I feel like I'm being taken advantage of and my dispute is being deliberately ignored. Section 611 ( a ) clearly states that faiure to investigate a disputed item within 30 days is a valid reason to have the item immediately removed from my credit report. It has been over 45 days so the item should be deleted promptly. I demand that the XXXX XXXX XXXX  account be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

I've been to 4 differe

nt Chase branches and each time they come up with new and exciting reasons why they can't cash my Cashier 's Check drawn by Chase.

The Cashier 's Check is from an old business account of Chase. I've been told I need a business account. I apply for a business account and Chase denies me. I tell them that they wont issue me one and they say they can't do anything without a manager. Of course there is no manager in today and they'll call me back. I've never gotten one callback. As far as I'm concerned Chase has stolen {$6900.00} from my business. As Chase refuses to cash the check that they wrote for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with all three major credit reporting agency about XXXX XXXX XXXX. Back in XX/XX/2019, I lost my card and reported it. So instead of XXXX XXXX XXXX  just giving me a new card and combining the data on the credit reports. They choose to enter the information as if this new card was a new account and that account had late payments when in fact there were never late payments on that card or for the dates stated. In addition, the account was close by me shortly after.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious about consumers safety.
Product: Mortgage

Mortgage company has filed a trustee sale against my property while a lawsuit against them is filed. For the past 2 years I have tried to reach an agreement and resolve our differences with this company, and one option was to modify the loan, and for about a year their employees kept losing the paperwork that was being submitted to them, I kept re-sending them the same papers 2 or 3 times and still they would deny the modification stating that I did n't submit all the requested documents. I got fed up hired a law firm, they filed a lawsuit against them, because this company uses Robo-Signers, this means they used a random name as the person who signed the assignment of the deed, the signer does n't even work for the company, but on the document that person is appearing as the vice president of the bank. They use forged signatures to foreclose on homes. During the lawsuit process, the staff from the law firm were finally able to reach the bank, and receive a modification to which bank was not willing to disclose the terms. They stated that I must pass a trial period, which means I have to make 3 payments for the amount they stated, after that they will provide the terms of the modification. I did make those trial payments, and after they sent me terms that were completely unacceptable. I made several attempts to reach them, in order to discuss the terms, prior to signing or agreeing to anything, I was not able to reach anyone. I left 4 messages within 15 days, and did not receive any call backs. I did however receive 3 calls from the bank, when I picked up it was a machine stating that I need to call the bank regarding default payments. I would call them right back, and again be transferred to a machine where again I had to leave a message, and no calls were returned. I even sent email to have someone call me back, even my attorney tried to get hold of someone and failed. Now a court date has been scheduled for XXXX XXXX, and bank decided to set up a trustee sale 3 days prior to the court date, for XXXX XXXX, while a lawsuit is still pending. I need to stop the trustee sale until the lawsuit is over. Bank is trying to foreclose on my house without any proper documentation, actually even worse, with forged documentation. I need this to be stopped.