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

1.I have filed a police report as Case card requested 2. I have also place a fraud alert on my credit report with all 3 bureau 3. I have file an identity theft with the Federal trade commission 4. I have file 2 report with the Consumer financial protection Bureau 5. I have send you a copy of my passport showing I travel in and out of the country over a 5-year time. 
6. I have file ever month for in accuracy to Chase Card ( every month ) 7. i have flie with Attorney Generals Office 8. i have file with XXXX XXXX XXXX I have follwed all those step yet Chase card yet to remove this account from my credit report, every month I file a dispute with all 3 bureau yet no one from Chase Card company take my situation serious, everything are being sent over electronic to the bureau in response, each time I file a dispute. I think my ex wife are someone may have open this account in my name while I was traveling throughout the years .back and fouth.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( 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

COMPANY NNEVER RESPONDED PASSED 90 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items.
Product: Credit reporting or other personal consumer reports

I want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed after I submitted the mandatory FTC report. Both XXXX and XXXX have already removed the accounts from their records after identifying and rectifying an error. I am perplexed by your verification of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

I am currently in the process of completing a real estate transaction and require your help to resolve an issue related to a 30-day late payment reported on my credit report from XX/XX/XXXX. Specifically, I am requesting a letter from VyStar Credit Union stating that the 30-day late payment will be removed from my credit report. 

To provide context : In XXXX and XX/XX/XXXX, I contacted VyStars Card Member Services on two separate occasions having to make my monthly payment over the phone and being informed that my account was not set up for auto pay. 
I attempted to set up auto pay through your website but encountered technical issues that prevented me from doing so. As a result, I reached out by phone to address the matter and ensure timely payments. Again, trying to avoid making a late payment Unfortunately, no action was taken to resolve the issue until XX/XX/XXXX Each month I had to do online transfer from one account to another or call to request for the credit card payment to be paid because the auto paid was not set up as requested. 
VyStar online Banking during this time frame was undergoing a massive change which interrupted my ability to set up the auto pay. 

I kindly request that VyStar review the call transcripts from these phone conversations, as they will show my efforts to avoid a late payment. I believe this demonstrates that I acted in good faith to meet my obligations as a member of your institution. 

As a long-standing member with multiple accounts and over {$300000.00} in annual deposits with VyStar, I trust that my request for this letter will be granted. This resolution will allow me to proceed with my real estate.
Product: Debt collection

Americollect Inc Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Creditor Information AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Dear Officials, I have contacted the original creditor 'XXXX XXXX XXXX ', XXXX XXXX XXXX billing department , and Americollect , My company insurance coordinator and finally XXXX XXXX All of them have a different amounts, service dates, and number of invoices. It is frustrating. If the original creditor XXXX XXXX XXXX sends invoices to Americollect, i agree to pay if they are accurate. XXXX said they have only 2 accounts on my family name, i have them- willing to pay buy when i call Americollect the collection agency, they have 5 accounts/invoices. My company insurance coordinator is unable to view amounts, i called XXXX, they do not have records of those claims fro XXXX. How am i getting them? I am sure i do owe some money during our XXXX but where should i get the correct info. I would say i believe XXXX since they are the original creditor. Please help. Americollect telling me incorrect information and sent info to Credit bureaus I beleive them all and ready to pay but i want to make sure right people getting my money. 
Subject ; XXXX XXXX XXXX XXXX Americollect XXXX. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX BANK XXXX # XXXX - DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Continuous calls from Harris & Harris Limited Debt collectors calling from XXXX
Product: Debt collection

Capital One Bank is reporting XXXX accounts on my credit report as a Debt meanwhile these XXXX accounts has been paid in XXXX... 

The credit agencies ( XXXX, XXXX and XXXX ) know this issue also and the still posting these account as a debt, not paid, having a negative impact on my credit score.
Product: Vehicle loan or lease

After I bought my car out of the lease and submitted all necessary forms to Nissan motor acceptance corp that show where to send my title and what name and address to use on the title they did not put correct address and only used my name and old lease address that was on file -a three years old XXXX ny address where no one lives any more, it was my XXXX XXXX address. Nissan bank calculated wrong amount of tax on this sales transaction due to their own negligence of putting wrong address despite correct address provided. They send title 2 times to that wrong address and every time we called to ask to fix address it was not done until the third time. Finally 6 month later we got title and I went to my local DMV to put title in my name but they told me seller Nissan bank made a mistake in calculating my tax bc of their negligence to update address despite of a document ozone form that shows proper address provided to them with the check. Now DMV would not transfer title in my name unless I pay full amount of ny state tax. I called Nissan motor acceptance corp bank and on 7th attempt got to speak to XXXX in escalation. I asked to either change my bill of sale and charge me proper tax amount which is approx {$140.00} more or reimburse me of XXXX in taxes so I can pay through DMV full correct tax amount. Nissan bank refuses to do so and instead demand some prove from DMV that this is what happening, the Nissan bank disregards that they cost us already so much losses bc we werent able to resell our car for profit when we still could because they kept sending title to wrong address, refused to correct their negligence even now when its obvious and I can not become an owner of my car due to this. Please fine them and demand error correction in expedited fashion
Product: Debt collection

Absolute Resolutions Investment, LLC is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX  account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made 3 on time payments and then reported that I missed a payment that cause my score to drop XXXX points with XXXX and negatively impacted my others. I have proof that I have never made any payments to any XXXX XXXX account it was closed then XXXX XXXX fraudulently reported good and bad. I have never made a payment to XXXX XXXX for anything! I cancelled this in XXXX when I no longer had direct deposit going to XXXX XXXX. XXXX XXXX fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit monitoring account shows a hard inquiry using my information to : COMENITYCAPITAL/IKEAXXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry to my credit monitoring account was made on XX/XX/XXXX for a  credit card.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in XX/XX/year> and XX/XX/year> to be removed. 

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! 15 USC 1666b ( a ) Time to make payments A creditor m
ay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters has been reporting a collection on my credit report. The company is illegally reaging the account. I have no knowledge of doing business with national credit adjusters. Also, the address this company has on file has never been my address. I do not have a signed contract with this company, and when I ask for debt validation including a signed contract, I dont receive it. I am not responsible for this debt with national credit adjusters.
Product: Debt collection

I called Midland Credit Management and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/2023 I get this certified letter from them about they will sue me if I dont pay it
Product: Credit reporting or other personal consumer reports

The fraudulent inquiry was applied to my credit file on XX/XX/XXXX by XXXX XXXX without my consent. The letter provided to me by XXXX XXXX XXXX XX/XX/XXXX, requesting removal, was approved. However, it contained incorrect inquiry dates, and Equifax refused to remove the inquiry. Please refer to CFPB case # XXXX. Kindly issue a new letter to me with the correct information and promptly submit this removal request to Equifax Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that all the COLLECTION listed to be removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that these COLLECTION are immediately removed upon receiving this complaint. If they are not removed within 7 days I will take further legal action.
Product: Debt collection

Aldous and Associates has been been trying to collect money from me and I never had any contract with this company or XXXXXXXX XXXX This is in violation of consumer laws article 15 section 16/11. and 15 USC 1671.4. I never ever new about this account.
Product: Credit reporting or other personal consumer reports

Requesting that Equifax remove all hard inquiries from credit report, a list of these hard inquiries was sent to Equifax back around XX/XX/year> and these hard inquiries still remain on my credit report, can Equifax please remove all unauthorized hard inquiries from my credit report. I have attached a Federal Trade Commission report for identity theft with a list of all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SUPPORTING DOCUMENT TO TRANSUNION MULTIPLE TIMES VIA CERTIFIED MAIL PERTAINING TO A BANKRUPTCY THAT DOES NOT BELONG TO ME. I CALLED TRANSUNION ONLY FOR THE XXXX XXXX IN THE FRAUD DEPT TELL ME THAT HE WILL NOT REMOVE THE BANKRUPTCY EVEN THOUGH I SENT IN THE SUPPORTING DOCUMENT. THE XXXX XXXX GOES TO STATE THEY DID NOT RECEIVE ANY DOCUMENTATION. I TOLD XXXX THAT I SENT IN DOCUMENTATION IN XXXX XXXX  CERTIFIED AND TRANSUNION SIGNED FOR THE MAIL, ALSO I HAVE SENT IN DOCUMENTATION THROUGH CFPB THAT TRANSUNION CLAIMED THEY NEVER GOT. I CALLED US BANKRUPTCY COURT AND I REQUESTED HOW THEY VERIFY DISPUTES WITH CREDIT REPORTING AGENCIES. I WAS TOLD US BANKRUPTCY DO NOT VERIFY OVER THE PHONE NOR DO THEY VERIFY ANY INFORMATION WITH THIRD PARTY COMPANIES OR CREDIT REPORTING AGENCIES SUCH AS XXXX, TRANSUNION, OR XXXX, ALSO ONLY THE LAST XXXX DIGITS ARE SHOWN FOR A BANKRUPTCY NOT THE FULL SOCIAL. I HAVE NOT FILED BANKRUPTCY! TRANSUNION HAS NOT VERIFIED WITH THE ORIGINAL FURNISHER WHICH IS THE BANKRUPTCY COURTS! IF CFPB IS SUPPOSED TO SEND MY ATTACHED DOCUMENTS WITH MY DISPUTE THEY HAVE NOT BEEN DOING SO! TRANSUNION STATED THEY HAVE NOT GOTTEN ANY DOCS FROM CFPB SO SOMEONE IS NOT DOING THERE JOB! NO CONSUMER SHOULD HAVE TO SHOW BURDEN OF PROOF WHEN THEY CLEARLY IS UNAWARE OF SOMETHING ON THEIR CREDIT THAT DOES NOT BELONG THERE. I WILL ALSO BE COMPLAINING TO FTC ABOUT CFPB NOT SENDING SUPPORTING DOCUMENTATION WITH DISPUTES FOR CFPB! I HAVE SENT IN A COPY OF MY PASSPORT, MY BANK STATEMENT FOR ADDRESS CONFIRMATION, AND THE LETTER THAT STATES, " THE BANKRUPTCY WAS NOT VERIFIED ''. AND TRANSUNION STILL REFUSE TO REMOVER ERRONEOUS BANKRUPTCY! TRANSUNION IS A LIE! THIS IS MERELY A PAPERTRAIL FOR ME TO PRESENT IN COURT! I HAVE HAD ENOUGH! REMOVE THE BANKRUPTCY IMMEDIATELY! I TAKE MY CREDIT SERIOUSLY! I HAVE ATTACHED DOCUMENTATION FOR THE LAST TIME!
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a XXXX ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a request from Equifax to remove unauthorized credit inquiries and they advised they can't remove them without a report. 

Please see the credit inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matte
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$2300.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.
Product: Debt collection

on XX/XX/2019 XXXX XXXX focus recv, mgmt. phone # XXXX left message that they are trying to collect an unpaid debt. 
I have zero unpaid bills. 
All of my credit cards and utility bills are always current with XXXX balance. 
I receive no statements by mail of any unpaid bills The call asks me to call them to arrange payment. 

Focus recv, mgmt. has called many times [ maybe 30 ] Is this harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, Equifax or XXXX. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On 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, NEVER LATE as they should be as I was NEVER Lat