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

I have had difficulty with this company from the moment I found out there was a loan taken out in my name. Someone had tried to purchase a vehicle in my name several years ago. To date, I still have not been able to remove this from my credit report. I contacted Credit Acceptance and submitted their fraud departments paperwork 2x. The first time they lost my paperwork. So, I had to wait for them to send me another packet. Credit Acceptance has done nothing to try to resolve this situation. However, when I try to contact the company they just insist that I have to pay this bill of approximately {$19000.00} for a car that was taken out in my name which was fraudulent. I do not owe this bill. I made a report with the XXXX XXXX XXXXXXXX police at that time. I want it and all reports made by them to be completely removed from my credit report. Now, it is difficult for me to get any kind of loan for a house or car or anything else. The lack of this companys ability to communicate effectively and resolve this issue is completely unprofessional. This is especially so in my case because there is zero proof, zero signatures, or anything of the sort that would connect me to the purchase of a vehicle using Credit Acceptance.
Product: Debt collection

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Portfolio Recovery Associates nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Product: Credit reporting or other personal consumer reports

I am still experiencing inquires appearing on my credit report as a result of recent identity theft. The inquires I have listed are a result of the identity theft. I am ordering that you block these inquires within 4 business days in accordance with Section 605B of the FCRA to make my credit report 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter, XXXX XXXX and I, XXXX XXXX, were cosigners on an apartment lease with XXXX XXXX in XXXX Oklahoma owned by XXXX XXXX in Kansas. We sent notification per our lease to cancel the lease early via email XX/XX/2021 and were responded to on XX/XX/2021. In that email I asked them to send me a final bill with all penalties listed for cancellation and I would pay the bill. I heard nothing from them thereafter. The next month I attempted to log on to the website to see the final bill and pay it. The XXXX XXXX had deleted my log in and I could not pay the bill online, nor even see what we owed. I attempted to call the office several times, where I reached a message that the office was closed indefinitely- all of the staff had either quit or were fired. I then researched the property group and found XXXX. I attempted to call that office to resolve the issue, to only sent through a maze of voice mail prompts with indication who I can speak to. I was hoping they would eventually send a bill. However I was wrong. In XXXX of XXXX, my daughter and I both received calls from collections regarding the {$300.00} we owed. At this time I called XXXX again and actually got a staff person on the phone. I enumerated my issues to her and she said she could not do anything to help me. She referred me to the region group manager at XXXX. I called that number, which was accounting, not the manager, and got the name and email of XXXX XXXX at XXXX. I sent her an email detailing the issue on XX/XX/XXXX and received absolutely no response whatsoever. When the collection agency called back again, I asked them to forward the final bill so I could pay it which I did the same day I received the bill. I believe my daughter and I were in accurately reported to the collection agency due to staffing issues at XXXX XXXX. Despites all of our efforts to reconcile this bill prior to collections, we were ignored. I would like this blemish on both my and my daughter 's credit reports removed due to negligence on the part of XXXX and XXXX to provide and timely and accurate final bill to me, for deleting my profile from the system that allowed me to pay through the client portal, and for turning us over to collection without any effort to collect the bill from us in anyway.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and some inaccurate accounts are appearing on my credit report. Please block and remove them as soon as possible as I have no knowledge regarding these accounts.
Product: Debt collection

I did not consent to authorize nor benefit from any of the listed account ( XXXX ). Block and Remove
Product: Credit card

There was a purchase that showed up on my Wells Fargo account for {$290.00} that was not made by me or anyone else in my household. The card has always been with me and sparingly used. I tried multiple times to have this charge removed and wells Fargo keeps saying that it was definitely used at the store. The number and chip data were breached somehow and the purchase made. I know that this can be done. I am an honest XXXX XXXX XXXX person with great credit and just want this fraudulent charge removed from my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting

To Whom It May Concern I recently disputed hard inquiries on my Equifax Credit file on XX/XX/2017 in regards to XXXX hard inquiries that was being reported on my credit report. The online dispute was submitted on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for All inquiries which was " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT XXXX XXXX COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

**Subject : ** Complaint Regarding Inaccurate Late Payment Reporting by Equifax - **Name : ** XXXX XXXX XXXX XXXX XXXX **Credit Reporting Agency Involved : ** Equifax - **Creditor Reporting Late Payments : ** XXXX XXXX XXXX - **Account Number : ** XXXX -- - This complaint addresses Equifaxs inaccurate reporting of late payments for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX under my XXXX XXXX  XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Equifax continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused undue financial stress.

-- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : ** Equifax has a legal obligation to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation.

2. **Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : ** Under the FCRA , Equifax must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance.

Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : 1. **Reverse the Late Payment Marks : ** The late payment entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX must be reversed and corrected to reflect on-time payments. 

2. **Provide Verification or Documentation : ** If Equifax continues to assert the validity of these late payments, they must provide detailed documentation, including : - Billing records for the disputed months.

- Proof that delinquency notices were sent to me.

- Evidence showing that payments were not made within the agreed-upon terms.

3. **Update My Credit Report : ** Ensure my credit report accurately reflects that payments were made on time.

-- - # # # Supporting Documents Enclosed : - Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
- Bank statements showing timely payments. 
- Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Equifax.

-- - # # # Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies.

Thank you for your immediate attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX Let me know if you need additional edits or more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment on my Credit report as inaccurate for my Kohls Charge # XXXX card a 30 day late for XX/XX/XXXX and a 60 day late for XX/XX/XXXX. And as how could this be factual when the montths XXXX- XXXX and XXXXand XXXX shows ok. XXXX  results were that they verified this as accurate, I spoke to Kohls as well 0n XX/XX/XXXX and they said that their system only goes back that far for payment history so how did XXXX  verufy this information when. The creditor Kohls cant even see it in their own system. 
# XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
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 or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX  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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 may 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 XXXX XXXX AND XXXX XXXX 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 card

I am so upset and freaked out about what is happening to my credit record and myself. I AM NEVER LATE ON THESE ACCOUNTS! Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information.
Product: Vehicle loan or lease

I have an auto loan account with Santander Consumer USA. I Checked my account statement online for the last 6 months. accounting information regarding my loan is incorrect and shows a higher amount due than what is actually due at this time. possible money laundering and fraudulent activity happening as money is not accounted for based on statements they have provided which do not match my financial statements from bank and accountant. Spoke to FBI to report suspicious activity and was advised to also file a complaint with attorney general of NY and TX including IRS. Also requested all statements regarding my auto loan to be sent via email/ mail and employee stated they " delete files and only keep items for one year" which was recorded on phone line.  Statement given by Santander Consumer states I owe total amount of $XXXX as of XX/XX/2019. Accountant stated I should only owe a total amount of $XXXX as of XX/XX/2019. The amount of $XXXX has been conclusive to not be accounted for that should have gone towards principle amount due. Some statements produced by Santander are blank. Statements also show on several occasions total amount of monthly payment went to interest only. Based on a fixed rate stated in contract that can not be applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has allowed the non-occupant, co-borrower to change my personal information TWICE without notifying me. My address has been changed two times within the last 45 days and has affected my credit bureaus. I've reported to FTC and my personal credit monitor company. XXXX has been notified and they denied. I have documents from them stating they did so. XXXX portal was changed twice, they again denied, I took screen shot before changing back to correct address. I am the primary, I live at this address alone, I've been through I'd theft before with high suspension that the same person is doing it again. I need XXXX to stop allowing others to speak to them without my consent. I need XXXX to stop changing my address without my consent. I need XXXX to stop giving out my personal information without my consent. I need XXXX to correctly report my permanent address back to the credit bureaus immediately. All documents and letters sent by XXXX will be retained for court viewing only! I am submitting one document that was sent certified mail twice to XXXX.
Product: Debt collection

In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.
Product: Debt collection

A Collections report has been filed on my credit report 3 times by IC Systems for a debt of {$150.00}. Not only is the debt not mine but they are repeatedly flagging my credit report with the same debt. Are the collections companies permitted to report the same debt more than 1 time? I have read that they are not.