23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

The loan was taken out almost three years ago and the car 's sale price after taxes and everything was around {$14000.00}. I have been paying on it for XXXX XXXX years and still owe {$16000.00}.
Product: Credit card

by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me
Product: Vehicle loan or lease

When we had got the vehicle from the car lot they did not tell us that the loan had day to day interest and that we only had to pay the x amount each month. Not only that but car was damaged and we asked them prior before buying if the car had any problems what so ever. They said no and as soon as we start driving it the frontend started having problems and the trans started to go bad so we ask them to fix the problem and did not do so even tho they had the car for almost XXXX weeks and we got it back the same problems were still their. The car lot got into trouble for selling vehicles that weren't inspected by the state and the loan company did not check to see if the car lot was following state laws and having the vehicles inspected.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. My identity was stolen and I need the accounts that were made by the thief removed! There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with accuracy. I am demanding removal of the listed accounts : 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. I demand the removal of the following inquiries made by the thief : 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: Checking or savings account

Back in XX/XX/XXXX, someone tried to open a XXXX XXXX account under my maiden name : XXXX XXXX XXXX XXXX caught within 24 hours and voided the request. 

Today, XX/XX/XXXX, another person attempted to open a bank account with TDBank. The account request was only a few hours old and was likely opened under my maiden name based on the email that was used. 

They caught within 24 hours and closed the request.

I have since used the credit agency apps to lock my credit score manually to avoid further accounts from being opened without authorization.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : ( 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. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to Experian and XXXX credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to Experian and XXXX that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with Experian and XXXX and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

we sent money to our daughter in  XXXX  on   XXXX   XXXX   XXXX    ,  Western Union  did not release the funds and they sent me a letter that the transaction was never completed, we reply that we needed a refund, they have been investingating this matter for  XXXX  weeks now and we are not getting the funds back
Product: Credit reporting or other personal consumer reports

I don't get it why Transunion still doesnt remove the fraudulent inquiry that i reported months ago. I have the right to have an accurate reporting. kindly remove the fraudulent inquiry as soon as possible : XXXX XXXX inquiry date XX/XX/year>
Product: Vehicle loan or lease

Credit acceptance reported voluntary repossession to my credit and we discuss amount owed and with arrangements to XXXX out balance if I returned vehicle voluntarily now its showing on my credit report with a remaining balance of XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 Incorrect Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Product: Debt collection

I received a notification from XXXX  that Rickart Coll Systems flagged my consumer report with a Grid Code XXXX  on XX/XX/2021 in the amount of {$30.00}.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX Experian Information Solutions , Inc ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Balance {$7.00} Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX
Product: Credit reporting

I have a collections on my credit report from a medical bill from a XXXX ( XXXX XXXX XXXX ). 

That is not legal to be posted to my credit report, as it is a medical collections and a federal law was passed that made this illegal to be posted to my credit report.
Product: Checking or savings account

In Chase Bank I tried to get help from them in person and in the phone to help me with Fraud Charges in XXXX of {$26000.00} in my Checking account starting in the date of XX/XX/XXXX till XX/XX/XXXX. I tried to get that money back by reporting each one specifically but they told me that they did what they could in their side and the rest should be taken care of by me by contacting each vendor! That is ridiculous and I need help to get that money back I slaved for that only for someone to just use it in XXXX which I've never been in. I live in New York! I thought the FDIC is supposed to insure me from this kind of bank problem so they would give me that money back. I would like this to be resolved before Chase pulls a " You are too late excuse ''. Please help!
Product: Credit reporting or other personal consumer reports

Experian credit report was updated without my consent giving another person/persons access to my information. The company is difficult to reach, sends callers in circles with few representatives available to assist. If you ever do get to a rep they disconnect without completing requests and don't call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX  ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. XXXX, experian. & XXXX
Product: Credit reporting or other personal consumer reports

I have multiple accounts reporting adverse information. I would like to opt out of this information being publicly displayed on my credit report for other companies to see. According to the XXXX XXXX XXXX act and as a federally protected consumer I am well within my rights with this request. There are also collections agencies reporting things on my report that of things I have no knowledge of.
Product: Credit reporting or other personal consumer reports

This account has been charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. After several attempts to have it properly investigated, my request was neglected and has violated my rights. I am demanding a deletion of the follwoing account : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX
Product: Mortgage

This complaint was originally filed and closed prematurely. The original complaint number XXXX was closed even though the complaint was not resolved. Originally, Sun Trust ( now Truist ), said it would take them 30 days to process the payoff of my home loan, then they said 45 days, then they said the 60 days, last contact with them they said 90 days for Colorado to process the lien release. It has now been 90 days, I have not received any information that the lien release has been completed either from Sun Trust nor the state of Colorado. All of the payoff information was provided in the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX  XXXX Provide the method of verification that proves I owe {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. 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. lnquiries : 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 or other personal consumer reports

Everything has to be 100 percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA I asked them to opt me out because i never gave them permission to use my personal information I didn't give verbal or written permission at all this is a violation of my rights they have been selling my personal information
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports Inquiries 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
Product: Debt collection

As of XX/XX/2020 a medical debt of {$870.00} appeared on my credit report. I had no idea what this was pertaining to so I contacted the agency. I was advised the incorrect address was on file and since I did not receive bill notification the reporting would be removed and a payment plan could be set up. The account is still being reported causing a tremendous decrease in my score. Im willing to settle or pay in full with arrangements with a promise of credit report deletion.
Product: Debt collection

Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.
Product: Debt collection

This creditor should not be reporting on my credit report. There is no debt owed. 

NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$0.00} Open balance NATIONAL CREDIT ADJU Original creditor Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type - Responsibility Individual Remarks Paid collection Original creditor name NATIONAL CREDIT ADJU
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by theXX/XX/XXXX data breach and may have got into the hands of the wrong person.