23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. 


I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXXXXXX XXXX- {$560.00} XXXX XXXX- {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX {$870.00} XXXX XXXX- {$960.00} XXXX XXXX {$990.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that the XXXX credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX FOR XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I originally called Toyota Financial Services on XX/XX/XXXX to discuss lease end options since I was not comfortable test driving new cars or visiting showrooms in the prime of the pandemic. I decided on that same phone call to extend my lease for six ( 6 ) months, through XX/XX/XXXX. During the phone call, I asked what actions I would need to take to renew the lease and after telling the representative that all previous payments were made through auto-pay ( I have always had my XXXX accounts on auto-pay ) the representative said there was nothing for me to do other than renew my vehicle tabs. 

Fast forward to XX/XX/XXXX, I received a voicemail from Toyota Financial Services with a request to call them back. Up to this point, I had not received any communication ( email, XXXX customer portal, etc. ) about any concerns with my account. Nor did I ever receive notice that my auto-pay was being or had been removed from my account. The delinquency ( which was XXXX error ) was reported to the credit bureaus before I was given a chance to rectify TOYOTAs error. I never received a letter or email stating my account was over due. Once I was made aware of the issue, I immediately paid the amount in full. The delinquency was reported to the credit bureaus before I was given notice. More concerning is that my auto-pay was cancelled without my knowledge and that the XXXX XXXX Representative advised me that there were no actions to take upon extending my lease by 6 months. 

The lack of communication and inability to now get ahold of the Toyota Financial XXXX XXXX team is unacceptable. Toyota Financial only allows you to speak to a frontline representative about your concerns, they do not allow you to speak directly to someone who can resolve credit reporting issues/discrepancies. You have to mail a letter or send a fax, and then wait for a mailed response. When dealing with an issue as sensitive and critical as your personal credit, this is inexcusable. Toyota Financial Services has taken no accountability for multiple missteps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX : {$2000.00} XXXX  XXXX XXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

Back in early XXXX XXXX Submitted a Dispute to all 3 Major Credit Reporting Agencies, ( XXXX, Transunion & XXXX ) as it pertains to the Unlawful & Malfeasance practices of XXXX XXXX XXXX ) I requested that Credit Acceptance be investigated for their Usurious Rates and Verify that the State of Ga Attorneys General 's office is currently Suing this Company for Fraudulent & Misleading Business Practices. 

XXXX removed XXXX XXXX XXXX from my report, but, XXXX and TransUnion failed to address matter, I believe neither agency hasn't addressed or investigated this pending issue,
Product: Debt collection

THE XXXX XXXX XXXX IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A CAPITAL ONE ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.
Product: Credit card or prepaid card

In mid-XXXX a fraudulent charge appeared on my account in the amount of {$2200.00}. I contacted the Citibank immediately. The card was closed and the fraudulent charge was reversed. The following month the charge was again posted to my account. I spoke with both an agent and the fraud department. The charge was then reversed. The fraudulent charge has once again been posted to my account. The card never left my possession, nor is the name of the individual, XXXX XXXX, my name or even gender. The lack of resolution and constant calls to Citibank are very disturbing and time consuming and show a lack of care and follow-through.
Product: Mortgage

I would like to know how long my lender has to provide me with a reaffirmation agreement and complete the reaffirmation process. I filed for bankruptcy ( chapter XXXX ) on XXXX/XXXX/2016. My meeting w creditors was set for XXXX/XXXX/16. Prior to this date my auto lender had sent my reaffirmation paperwork and I took care of that with them. My credit meeting came and went with no information from DiTech on my current mortgage. I inquired with my attorney as to what I needed to do. They told me they were in contact with DiTech and we should have it prior to my discharge date of XXXX/XXXX/2016. I inquired several more times before this date and they had n't provided anything. They had told my attorney that they had already sent it, that they would resend that week, another inquiry a week or more later and they are waiting on approval .... But wait you said you sent it weeks ago??? 
I have now extended my discharge twice and nothing has been sent. In all this time, I have never missed or never been 30 days late with my monthly payment. 
My attorney emailed me today that their latest update is that DiTech 's attorney is in possession of the agreement but is awaiting their approval to send it. 
At what point are they required to do their job and provide me ( their paying customer ) with the information I need in a timely manner? I would think 30 days but we are approaching 5 months.
Product: Debt collection

Something calling itself Comenity Bank calls at least half a dozen times a day. We believe that this relates to my wife accepting a  XXXX  credit card sometime back. She paid her balance and cancelled that card. Now this Comenity Bank is alleging that other vendors ' cards have been used to charge purchases ; however, neither my wife nor I have accepted specific vendors ' cards. We hold generic  Visa, Master Card, and American Express c ards.
Product: Debt collection

I moved out an apartment complex the XXXX apartments in XXXX Texas. Gave XXXX 60 day notices and left on my move out date which was XXXX/XXXX/2013. They apartment lost my first notice so so gave them another which was sign by their leading agent.Now the apartments lied and said I moved out on XXXX XXXX which was n't true and that stated that a 60 day notice was n't giving and I did, so now I have over XXXX that 's for collection and that 's not correct. I have a company of my lease and my 60 day notice. I even spoke with collection persons about the issue which he claimed he would send me papers to my current address, he never did and I was put up for collection and the consumer disbute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Original Creditor : TX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

A demand for verification of debt was presented to XXXX and XXXX  by my attorneys twice and Santander as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Product: Debt collection

I recieved 3 texts over a two week span from Radius Global Solutions LLC about a debt for XXXX XXXX XXXX. The text was false and misleading because i havent received a letter from them. Today they called me and told me the name of the debt and company which i dont acknowledge. They didnt provide me with any details about the debt besides the companies name. Also im aware of my rights and they violated them according to the FDPCA contacting me without me receiving written communication. When i stated that the woman rushed said she notate that and quickly hung up the phone. Ive did further research on the company and the states that they are licensed to collect debt in and XXXXXXXX XXXX  isnt one of them i will be attaching screenshots of the text they sent as well as the call duration & lastly a screenshot showing the states they are allowed to collect debt in.
Product: Debt collection

Daily calls for months. I have no outstanding debts for years and I have a very high credit rating ( XXXX ). Im retired and these people are trying to take advantage.
Product: Debt collection

I received a debt collection letter on XX/XX/XXXX for a debt of {$370.00} allegedly incurred on XX/XX/XXXX at XXXX XXXX XXXX XXXX PA. I do not have a record of visiting a doctors office by that name. Additionally, no request for payment was made at any medical facility. In fact, this is the first time I hear of this alleged debt. Therefore, this is not my debt. 

Additionally, when I called the Remex Inc number provided XXXX the person I spoke with did not provide me their name. I provided them the reference number from the letter and asked me for additional information other than what was listed in the letter. Thats in clear violation of their own disclosure that any information provided can and will be used to collect the debt. They can not accuse me of owing anybody anything without providing copies of the medical services statement or other supporting documentation from the original creditor. 

Last but not least, my right to privacy as a private citizen were materially disregarded by the Remex representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent items : Fraudulent 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 XXXXXX/XX/XXXX
Product: Debt collection

I had XXXX as cable company for 3-4 years. Upon purchasing a new home i tried transferring services with them to my new address but they did not offer service at the new address. I then had to cancel my service. I was told I owe {$0.00} I paid all my bills on time never late on anything. I have perfect credit and have never missed a payment and have no derogatory credit at all. After a year I received a collection notice saying I owed a collection company or XXXX over {$890.00} for terminating my services early. I called XXXX and asked for proof of any contract XXXX phone recording with me agreeing to a contract or written contract ) they provided me with nothing. If there is proof of me agreeing to a contract after having services with them for over 2 years Im more then happy to pay what I owe. But they wont provide proof of anything. I had XXXX from XXXX to XXXX when I moved to my new address. I tried calling the collection agency not only do the refuse to delete this collection or provide proof of contract but they hang up on me every time I call, I cant even speak with a supervisor. Im beyond frustrated because this is dropping my credit score over 40 points and Im personally in the financial services field with no derogatory remarks on credit except for this. I even went to a XXXX location and they said your right you owe {$0.00} but you need to take this up with customer service and or collection company but they are not doing anything for me and I have been trying to get this removed for over a year. Please help me get this deleted off my credit. The collection company is convergent outsourcing. I would like this collection deleted off my credit report please
Product: Checking or savings account

They closed my account without warning and when I deposited {$4200.00} they loos my money in the mix and paid late fees for my mortgage and had to pay contractors for coming to my house and didnt have the money to pay them or it would have been done for free for lesser amount so I paid out XXXX dollars between XXXX contractors just for coming out and no work done because they tied my money up for over a week which they money was a cash deposit
Product: Credit reporting or other personal consumer reports

I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt XXXX.
Product: Credit card or prepaid card

I bought a new refrigerator in XXXX for {$1400.00}. I paid the card off in less than 4 months : {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$240.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX. In XXXX I received a bill saying my last payment was late. I submitted the payment on time and it is sent electronically but apparantly it took an extra day for some unknown reason. Because of that they charged me a late fee. I called and spoke with a representative and then a supervisor and neither would eliminate the late fee. I have never been later before, I always pay my bills on time and I always try to pay off my bills as quick as possible. I tried to explain that I made an {$800.00} payment to bring my balance to XXXX. I tried everything and they still refused to reverse the fee so I closed the account and told them I would not be paying the fee. 
They just sent me another statement and now they are charging me more fees. I have a XXXX balance but now they have charged me more late fees and interest and now are saying I owe {$99.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i do not know this company and they are very rude and unprofessional. Please stop calling me for a debt i do not have
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.I also have attach my personal info to this complaint knowing its me typing this compliant.
Product: Credit reporting or other personal consumer reports

I went to many court dates and finally had the case dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice Of Voluntary Dismissal against XXXX XXXX XXXX