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

On XX/XX/XXXX i called up Sierra Pacific Mortgage complaining that they reported me 30 day late on XX/XX/XXXX to all 3 credit reporting agencies, i claimed that i did send out my payments on time and i have proof for that, they responded to me that they also seeing that i send payments, but i should send them my proof trough email to their research department and they will respond to me within 48 hours. 
on XX/XX/XXXX i called them up for an update since they didn't respond to me on time, they response was " we are working on it '' on XX/XX/XXXX i called them again, they response was " we are working on it '' On XX/XX/XXXX i also send them an email again with my bank statements showing my payments. and still they didn't respond to me and they didn't remove the late from my credit report. 

its now more then 30 days and they didn't remove my incorrect late from my report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/year> I went in the Title Max in XXXX, to inquire about a Loan. I inform the store manager just that, INQUIRE. Next thing you know this guy was filing out my application his self, store Manager. Instead of me filing it out. He also con me out of my phone and text my husband and daughter. Said if I didn't allow him he will not approve me. I had been con into this loan. I should of look at the reviews knowing that they were in a Big Legal Lawsuit. Anyways before you know it this man has process a loan. A couple weeks later a major Disaster came in XXXX TX cause me and my family to evacuate and become homeless, the car also has engine problems. I had spoken to several people in the Title Max and explained to them my situation. A month ago XX/XX/year> I spoken with someone in the Corporate office and advised him me and my family became HOMELESS. I told him I could pay something a month later, cause I need to get sufficient with a Home for my family. I also was given the mailing address in XXXX to mail a money order because I was not going to give my credit card info over the phone since title max is known for stealing and Breaching, and are being Sued. He agreed and said he was giving me 45 days. Today XXXX, XXXX, XXXX. I was followed by a old car with hand made scanners on car. When I went into the store. I look up my van was being towed with my XXXX XXXX XXXX XXXX  son, my miniature dog, and my sleeping XXXX  husband in it. When I approached my XXXX a very dirty Caucasian lady with dirty muddy skin, muddy short cut up shorts. Looks like some one on XXXX  shows me a phone with a order for repossession from title max and demands my keys. She then bow guarded me from getting into my van, where she took her steel dirty boots and dint the side of my van she then bogard the door where the door seems to be breaking off. She brush up against me, striking me with the door and call me a XXXX. I called the cops cause she said that she was going to tow me in it. I even have witnesses that recorded everything thing and to makie sure they will not try to hit me. Cops was called and they said that I will be charged if I interfere with them repossession the vehicle by the XXXX TX Police dept and because they have uploaded paperwork. From Titlemax. I called title max customer service and they said they did not enter a repossession I spoke with XXXX, I then spoke with the billing Resolution dpt spoke with XXXX she said the same thing not supposed to be a repossession and she processed a complaint. And that she was asking for a payment, then I spoke with XXXX She was from Community Choice handles repossessions title max and she said the same thing my vehicle was not out for Repossession. She then told me to email Titlemax Legal dpt. I too can log onto title max and it is asking for a payment from me to avoid repossession. Will file FTC Report on this include XXXX Police dept allowing this False Towing company to illegally repossess my car, and forcing me and family to leave car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My family and I have suffered irreparable damages and financial strain since the credit reporting agency XXXX has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at XXXX  using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the XXXX reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided XXXX all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to XXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by XXXX on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as XXXX has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.
Product: Debt collection

I received a call and they left a message saying there was a complaint against me and the property where I live with a case number XXXX. They left a phone number for me to return the call and when I called they told me it was a lawsuit due to a loan and debt I had with Cash Call in 2016. I don't recall any debt with Cash Call. The agency that called and represents Cash Call, lied when they said there was a complaint against me and the property I live in. I thought it was an agency from the city where I live in XXXX, California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX  XXXX {$7400.00} XXXX  XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> {$1900.00} XXXX XXXX XX/XX/year> {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX XXXX : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but Capital One did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to Capital One, XXXX, and XXXX  on this date. Capital One, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

XXXX  and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both Capital One and XXXX  and XXXX. 

Capital One turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for Capital One. 


Capital One, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. Capital One and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if Capital One and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.
Product: Debt collection

XX/XX/202XXXX XXXX XXXX XXXX CASE NUMBER CALLED SAYING. THEY HAD CLOSED ENVELOPE TO BE DELIVERED TO SOMEONE OVER XXXX. They would never tell me who or what company or what collection was about. XXXX XXXX was his name. He wanted my dob and last four of my social security number there phone number wasXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was turned down for a motorcycle loan from my bank because of a recent " negative credit '' entry onto my " Experian. '' I am the " Victim of Identity Theft. '' I contacted " Experian '' to get a " Free '' copy of my " Experian '' credit report but " Experian '' wanted me to " Sign Up '' online for a $ XXXX " Monthly '' credit monitoring service offered by " Experian. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

WALMART/CAPITAL ONE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) CAPITAL ONE/WALMART that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
WALMART/CAPITAL ONE HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised WALMART/CAPITAL ONE they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability 4.Mental Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX XXXXt : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights. 
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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

XXXX of XXXX my checking account was locked due to a possible fraud investigation. 
I was provided a phone number to inquire and following their directions I am still not able to get answers. I have called this number several times and no one can help. I have visited a bank branch, and the clerks sent mail within the Truist company to fraud group, and they never get a response. This has been going on for XXXX years and XXXX months. I have never talked to any investigators, and I have never received any mail correspondence. 
I was told at the beginning that these investigations can take between XXXX and XXXX days. 
We are well passed that and still not able to get any information. I last visited a branch on XX/XX/XXXX and XXXX, sent another mail to the fraud group. I am not expecting to get an answer. XXXX years and XXXX months is long enough. Action is needed. 
Thank You
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. 
Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/, it is no longer current and therefore must be removed. 
I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. 
I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect 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. 
I trust that you will take this matter seriously and resolve it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some response.
Product: Bank account or service

I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully XXXX XXXX XXXX.