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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I do not believe that there should be any late payments on my accounts for XXXX XXXX account ending in XXXX and account ending in XXXX, XXXX XXXX, account ending in XXXX, XXXX XXXX account ending in XXXX,
Product: Debt collection

On my experian credit report it is reporting as a charge off account. However I never received the 1099 to add to my tax information as if the account is reporting charged off that means the debt was filed as a loss on the companys taxes.
Product: Credit card

I received a Visa Vanilla gift card as a gift, for {$100.00}. When I tried to use it, I was told it had no balance. I called the number on back of card and was told to send my problem in writing. I did that on XX/XX/ and again on XX/XX/, both times certified mail. I have not received any response from my request to date. I am a senior citizen and need all the funds available to me.I never used the card before being rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquires on XXXX credit report. 3 Rd notice and refused to remove it from XXXX report. 

CHASE BANK XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, 2017 XXXX XXXX XXXX   XXXX. 
See an error? 
dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

" I am reporting unauthorized charges made by XXXX XXXX on my credit card accounts with XXXX XXXX, [ Other Credit Card Name ( s ) ], which have negatively impacted my credit score, despite my efforts to dispute and resolve the issue. '' 1 ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Credit card Urgent Request for Investigation into Unauthorized Credit Card Use Dear SIR, I am writing to seek immediate assistance regarding unauthorized transactions made on my credit cards after my wallet was stolen. These unauthorized charges, made without my knowledge or consent, have severely damaged my credit score and affected my life profoundly.

I have already reported the theft and disputed the charges with both the credit card companies and credit reporting agencies. However, the issue remains unresolved. I can not understand how these transactions occurred or why I am being held accountable for charges I did not authorize. 

This situation has caused me significant emotional and financial distress. I urgently request a full investigation into how my cards were used without authorization and a resolution to remove these charges from my accounts. 

I am pleading for your help to rectify this matter. Please treat this as a priority, as it has significantly affected my ability to manage my finances and maintain stability. 

Thank you for your immediate attention to this urgent issue. I look forward to hearing from you soon. OTHERWISE I HAVE NO WAY TO PAY THEM OFF OR I WILL NOT BE ALIVE ANYMORE BECAUSE OF THIS FRUSTRATION. I NEED MYSELF TO BE OUT OF THIS AT ANY COST. I HAVE TRIED TO COMPLAINT BUT NO ONE IS RESOLVING MY ISSUE. PLEASE PLEASE PLEASE FOR XXXX SAKE, HELP ME. 

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

Im extremely frustrated by the errors on my report that are unfairly hurting my scores and blocking opportunities I should have access to. These mistakes have already caused setbacks I dont deserve.
Product: Credit reporting or other personal consumer reports

This is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Attached is the dispute letter which is dated and time stamped. 

Remove the aforementioned accounts due to non-compliance of FCRA regulations and unverified accounts. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Bank account or service

I have received a wire transfer and unclear why the bank reserves 1 ) 5 days to give access to funds even though the money is available within hours as the transmitting bank has confirmed the direct receipt 2 ) Unable to confirm receipt of funds at all for the 5 day period, even though the transmitting bank is able to confirm it was sent 3 ) Can then also justify a {$25.00} fee which they are unable to substantiate the precise " cost '' to them and when they are able to make money off the funds for 5 days alone and demonstrate no actual " cost ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My CFPB complaint ID ( XXXX ) status was closed today ( XX/XX/2018 ) and I received an email about that.

You guys said, " The status was marked as a duplicate complaint on XX/XX/2018. This complaint appears to be a duplicate ( Previous CFPB complaint ID # XXXX.to EQUIFAX ) of a complaint we've already received. We've included a reference to this complaint on that record. '' I don't know if you guys read my attachment file correctly, but I don't think it was supposed to be duplicated. I'll attach documents one more time. Please carefully read my attachment from XXXX XXXX  this time.

I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter ( Ref ; Attachment ) from XXXX XXXX on XX/XX/2018. They said, " In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your Ally auto account to reflect it as Paid in Full. '' But after 30 days I looked at the credit reports for each agency and found out that they were still not yet correct.

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of an identity theft, and for the past few years I have been trying to remove the fraudulent accounts from my credit report. I have contacted the bureaus and creditors to let them know that the accounts are not mine, the charges are not mine. I have no idea who and how these fraudulent accounts were opened. I am veteran of the XXXX XXXX and I am conforming that these 2 accounts were opened fraudulently, the charges are not mine, I did not authorize the accounts to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a request to Time Financing services regarding a derogatory tradeline being listed on my credit report. It has been over 30 days since my dispute was received, and they have yet to send me any proof validating that I owe the debt. Not only did they not respond within the legal timeframe, they also did not mark the derogatory tradeline as disputed pursuant to the FCRA. 

Not only are they in violation of the FCRA and the FDCPA, but they are also in violation of the North Carolina General Statute Article 70 regarding debt collections. the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE 58.70-15 ( b ). Furthermore, NC. GENERAL.STATUTE.58-70-01 states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

I am writing to advise you that Time Financing Services are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE 58-70-01 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

They must immediately delete the negative tradeline from my credit report due to their violation of local and federal laws.
Product: Debt collection

On XX/XX/2021, I received a notification via my credit monitoring app, myFICO, in regards to an account owed to XXXX XXXX XXXX being collected by Debt Recovery Solutions. It appears the account was placed with them on XX/XX/2021. I have not received the initial dunning letter required by FDCPA notifying me of my rights to dispute. I have not received any phone calls regarding this debt either. These are unfair, deceptive and abusive practice as I was not given the opportunity to resolve the issue in a timely matter. I do not recall this account and have no knowledge of what is owed. As far as I can tell is that this is fraud since I have not done business with XXXX XXXX XXXX in years and everything was paid for. I do not have any account number and when I tried reaching out to this company by phone I was directed to their messaging system as no one was answering. I am asking that this trademark be removed from my credit or I will have to pursue other avenues in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XX/XX/2021 -XXXX XXXX XX/XX/2021 -XXXX XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts, names, and addresses from my credit report in accordance with Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. Upon careful review of my credit reports, I have identified multiple accounts, names, and addresses that are invalid and have been wrongly reported. These inaccuracies are significantly impacting my creditworthiness and financial well-being. I kindly request your immediate attention and assistance in resolving this matter and ensuring that my credit report remains equitable to me. 

Account Information, Names, and Addresses to be Removed : Accounts : XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX [ Account Number : XXXX ] Addresses : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX I understand that resolving disputes may take time ; however, due to the urgent nature of this matter, I kindly request that you take immediate action to remove the disputed accounts, names, and addresses from my credit reports within 4 business days. It is crucial that my credit report accurately reflects my creditworthiness and financial status, as mandated by Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2.

I have provided supporting documentation, including proof of my correct address and any other relevant information, to aid in the swift resolution of this dispute. I implore you to review the evidence provided and expedite the necessary actions to rectify these errors within the specified time frame.

Furthermore, I remind you that according to 15 U.S. Code 1681s2, 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. It is imperative that accurate and up-to-date information is reported on consumers ' credit profiles, and any violations should be promptly addressed to protect consumers ' rights.

I appreciate your immediate attention to this matter and expect a written confirmation once the disputed accounts, names, and addresses have been removed from my credit reports within the requested timeframe. It is my expectation that my credit report remains equitable and reflects accurate and valid information. 

Thank you for your urgent cooperation and assistance in resolving this dispute. I look forward to your prompt response
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  & Account : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late or be DELETED from my consumer report. Thanks, in accordance with 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments & ( b ) Grace period 15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title Fair Resolution!
Product: Vehicle loan or lease

This dispute is in regards to a vehicle XXXX XXXX XXXX XXXX that was sold to the car dealer on XX/XX/XXXX. At this point, ownership rights were transferred to the new owner and the bank was paid in full. There were never any late payments made on this account while the vehicle was in my possession. 
The bank XXXX Bank of America ) is stating that there are XXXX late payments made on this account for XXXX and XX/XX/XXXX. This information is incorrect. 

I have attached the odometer statement that was signed by myself and the car dealer at the time the vehicle was turned over to the dealer.
Product: Debt collection

I had filed XXXX XXXX bankruptcy and discharged on XX/XX/XXXX. Come to find out Portfolio recovery had placed a lean on my property without my knowledge. I did not know I was being sued for such debt nor do I know if the debt portfolio recovery was trying to collect is even mine. I have reached out to portfolio recovery on XX/XX/XXXX and was notified that I no longer owe the debt but the lean remains with the amount and they are not going to remove the lean until the debt is settled.
Product: Vehicle loan or lease

I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX   XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2021 payment was made in the amount of {$2000.00} for my auto payment.On this day my balance should had been reduced and updated to the credit bureaus to {$40000.00}. On XX/XX/2021 the balance was updated to owning {$43000.00} to XXXX Credit Bureau, XXXX {$43000.00} with my last payment being XXXX XXXX, and XXXX has not been updated for 2 years. I put in a dispute with the credit bureaus and XX/XX/XXXX XXXX the balance came back the same for 3 months ; XXXX and XXXX updated the balance as {$43000.00} even 12 days after I made an additional payment. PNC bank has repeatedly ignored reporting my account paid on time since the very beginning of my XXXX loan by miss applying my payments and labeling my account 30 days late