23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Dispute of Outdated Debt Account Number : [ XXXX ] To whom this may concern for Capital One I am writing to dispute an account listed on my credit report. This account, with the account number [ XXXX, is being reported incorrectly. 

According to the Fair Credit Reporting Act and the Tennessee statute of limitations Tennessee Code Annotated XXXX : Statute of Limitations on Debt, the time period for collecting this debt has expired. The account open date is [ XX/XX/year> ], which is beyond the 6-year statute of limitations for written contracts in Tennessee. 

I request that this debt be removed from my credit report immediately. Please conduct an investigation and inform me of your findings. Enclosed are copies of my credit report showing the account in question, along with documentation of the last activity date. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

**This is a violation of privacy policy situation, and I need help, please! I've exhausted all options, I am seeking legal representation. Here are the details. I have documents and photos to support this situation. ** I had obtained a title loan with Atlanta Title Loans in XXXX, 2021 due to financial strain. I have been in a XXXX XXXX situation for quite some time and was trying to pay off bills so I could relocate myself and children, or at least start the process. My ex ( XXXX ) stole my phone and Atlanta Title Loans called about my payment XX/XX/2021. He disclosed that he was my boyfriend/husband ( lied ) and inquired about the nature of the call. The initial point of contact just stated that he needed to speak with me. My ex then called the company back, and requested details of why they were trying to reach me. At that point, another representative named XXXX gave him my information, and advised him that I had an open loan with their company. He requested she text pictures of whatever information she had about me and my loan. She agreed and text him pictures of my drivers license, my signature, and loan application details, from her PERSONAL cell phone, which compromised my personal data even further. There were NO authorized indiviuals names that were allowed to access any of that info. He became furious and was violent toward me. This triggered my XXXX XXXX and XXXX issues. I have a history of XXXX XXXX XXXX, and this had caused me to become unable to return to work for fear he will show up. Ive since lost my job because of this. This company violated every protocol in their privacy policy and put me in harms way. I am a single mom, now without a job, money and potentially at risk of losing the only vehicle I have. This is such a horrible situation, and I dont know what I can do. I have copies of the texts sent to him, and also texts between myself and the employee in regard to this issue. I have not received any feedback from management, I have since received a late payment letter stating they can repossess my vehicle anytime they want.. Please, if there is anything you can do to help, I really really need it. I have since had to petition for a family XXXX XXXX order, but I am in constant fear, and all due to this discrepancy. This company did not care enough to make a simple effort to just protect my personal information, makes me very concerned where else they are lacking and how this could effect more clients, I do not have a working phone number at the moment but I can be reached via email anytime. Please help! I feel like this is something that needs immediate attention or could be detrimental. 

Thanks in advance for any help you might be able to offer.
Product: Credit reporting or other personal consumer reports

I sent a copy of the XXXX report, and it has come to light that credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX 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 spoke with PDQ Services last month regarding this debt that they claim I owe to XXXX XXXX XXXX . XXXX XXXX XXXX claim that I owe them money for an apt `` trash out '' during move out. They say they have contacted the original creditor " XXXX XXXX ' and confirmed the debt, which is FALSE. As the documents shows on the move-in and move-out inspection that I never was aware of a debt and I never signed a move OUT inspection. I have not received any PROPER validation of this debt and it need to be removed from my credit report immediately. I am also reporting XXXX XXXX XXXX for bogus business practices for trying to rip off residents, not to mention, that when I moved in I didn't have a security deposit. So I guess they wanted to make some money off of me by any means. Again, PDQ is not complying with the FDCPA and are in violation of the act. This account should be deleted immediately!
Product: Credit card

On XX/XX/XXXX, my Chase Visa credit card was charged by XXXX for {$210.00}, an amount I did not recognize. This was XXXX of many unauthorized XXXX transactions around the month of XXXX, adding up to several XXXX dollars. I filed a fraud report with Chase on XX/XX/XXXX. 

On XX/XX/XXXX, Chase responded to say I was not responsible for most of the transactions I had reported, but I was still responsible for the {$210.00} transaction. The reason is that it was linked to merchandise that was billed and shipped to my address. 

On XX/XX/XXXX at XXXX XXXX, I called Chase 's fraud department to ask for information about what this transaction was about. They told me it was a transaction made from my domestic partner 's XXXX account, for merchandise that he had in fact purchased in XXXX. 

I confirmed with my partner that he recognized this transaction, but he had paid it with a completely different credit card. He has never authorized XXXX to use my Chase Visa, and didn't even know I had this Chase Visa. XXXX knew about the Chase Visa in connection with MY XXXX account, but not my partner 's. They apparently mishandled my credit card data to bill someone I lived with. 

I called Chase back at around XXXX XXXX to explain that this transaction was, in fact, unauthorized. I explained the situation, saying that XXXX billed the wrong payment method, a payment method they should not even have known about in connection with my partner. The fraud representative didn't believe me, and gave me the runaround about how this was technically not a " fraudulent charge '' but rather a " double charge '' if I recognized the transaction, and spent several minutes arguing with me and refusing to transfer me to the correct department. Eventually he initiated the transfer to whatever the double charge department was, and then the call disconnected. 

I have filed an FTC complaint against XXXX for their mishandling of my credit card data, but I still need Chase to recognize that I am not responsible for the transaction.
Product: Debt collection

I am contacting you in regards to a vehicle loan I had with XXXX XXXX up until the beginning of 2017. I have tried for well over a year to have XXXX XXXX  explain to me why I owe them any money to no avail. 

Back in 2017 my vehicle was stolen. I reported the theft to the police and within days the police found the vehicle. I also reported the theft to my insurance. After it was found, my vehicle was impounded for evidence by the police and held at a towing facility. During this time, I was in constant communication with the police, the insurance company, and the finance company. Short of the fact that the police department was not releasing my vehicle, everything seemed like it was going good. The insurance company said they would check the vehicle out to see if they were just going to total it or pay for the repairs and give it back to me. It wasn't until several months later when the insurance still was unable to view the vehicle even though they had been asking to for months did I get seriously concerned. It turns out my concerns were warranted. 

Not only did the insurance never got the permission to inspect the vehicle, but the vehicle was somehow given back to XXXX XXXX and XXXX sold it at auction! 
I tried to figure out what was going on since I was up to date on my payments but I never got anywhere with the police or XXXX. They simply placed a charge-off on my credit report after the vehicle was auctioned. I then decided to talk to a professional about this. I hired a company called XXXX XXXX XXXX to help me with this situation. They also worked on it for months. XXXX XXXX XXXX gave me a very detailed description of their investigation which I will forward to you. Honestly, that letter describes my complaint very well and details exactly what happened to me and how I've been taken advantage of by XXXX XXXX. I'm at the point where either this complaint will get XXXX to realize they are breaking the law and to stop trying to collect a debt I should not owe or I will have to sue them.
Product: Checking or savings account

XXXX XXXX XXXX RE : # XXXX On XX/XX/2021 my husband XXXX XXXX asked me if I was moving funds between accounts, I then logged on to USAA to find that someone was depositing unexpected checks into the checking account and then transferring our real funds out of our account. To date both checks that were deposited have been reversed. Both of the checks were sent from the payor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX, WA. XXXX Upon reviewing the savings account, also with USAA we noticed there were transfers into the account and then fund transferred out in greater amounts. 

We have contacted USAA to report the fraud, they stated that my XXXX online password and email were changed and the transactions happened on the mobile application. They have not been forthcoming with any information such as what state this is occurring from, the account numbers that the money has been transferred to so I am unaware of who is doing this. Clearly they are doing it to expropriate funds. 

Will include bank statements as accounts are on hold.
Product: Debt collection

I had my car broken into where personal information and creditmcards were stolen is XX/XX/XXXX. I was a victim of identity theft as a result. Most recently, In XX/XX/XXXX I became aware that someone used my personal information to obtain medical services in XXXX XXXX. XXXX XXXX and their client American Account Advisors placed a fraudulent collection on my credit report in XX/XX/XXXX. I sent them the police report filed last XXXX and the Identity theft report I filed with the Federal Trade Commision and requested they remove the fraudulent collection from my credit report. They have not responded to my request or removed the information from my report.
Product: Credit reporting or other personal consumer reports

These are several Accounts that I see being fraudulently reported unto my Experian credit report, XXXX and XXXX credit bureaus. I have no knowledge of these accounts, and they are fraudulent. this is identity theft. they all need to be removed. including all these inquiries as well. I'm a victim of identity theft. 

1 ) XXXXXXXX XXXX XXXX XXXX : Date opened XX/XX/XXXX, Account type : Credit card, amount : {$1500.00} 2 ) XXXX : Date opened XX/XX/XXXX, Account type : Credit card amount : {$13000.00} 3 ) XXXX : Date opened XX/XX/XXXX, Account type : Charge Card amount : {$1700.00} 4 ) XXXX XXXX : Date opened XXXX XXXX, XXXX, Account type : Credit Card amount : {$6200.00} 5 ) XXXX XXXX XXXX XXXX : Date opened, XX/XX/XXXX, Account type : Credit card amount : {$1100.00} 6 ) XXXX XXXX ; Date opened XX/XX/XXXX ; Account type : Credit card amount : {$2900.00} 7 ) XXXX XXXX XXXX : Date opened, XX/XX/XXXX ; Account type : Charge Card Amount : {$2900.00} 8 ) XXXX XXXX : Opened XXXX XXXX, XXXX ( 2 yrs ) account type : Unsecured Amount : {$25000.00} Inquiries : 1 ) XXXX XXXX : Inquiry date XX/XX/XXXX 2 ) XXXX XXXX XXXX : Inquiry date XX/XX/XXXX 3 ) XXXX XXXX  : Inquiry date XX/XX/XXXX 4 ) XXXX XXXX : Inquiry date XXXX XXXX, XXXX XXXX ) XXXX : Inquiry date XX/XX/XXXX 6 ) XXXX : Inquiry : XXXX XXXX, XXXX 7 ) XXXXXXXX XXXX : Inquiry : XXXX XXXX, XXXX 8 ) XXXX XXXX : Inquiry : XXXX XXXX, XXXX I AM REPORTING IDENTITY THEFT DUE TO FRAUDULENT USE OF MY NAME, DATE OF BIRTH AND SOCIAL SECURITY NUMBER. SUSPICION WAS RISEN DUE TO COLLECTION LETTERS RECEIVED
Product: Credit reporting

XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX  ADDRESS XXXX XXXX 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. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) Amount ( {$570.00} ) All of this information above is fraudulent and I am writing to formally file a dispute regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by XXXX. I believe that XXXX has failed to comply with its obligations under the FCRA in relation to my credit report and have caused harm to my financial well-being. XXXX has failed to correct inaccurate information that I disputed on my credit report, despite providing sufficient evidence supporting my claim. Additionally, they did not notify me of the results of their investigation as required by the FCRA. Specifically, XXXX has violated the following provisions of the FCRA : Section 1681i : Failure to conduct a reasonable investigation after receiving a consumer dispute.

Section 1681e ( b ) : Failure to maintain accurate information on my credit report. 

Despite my repeated attempts to resolve this matter directly with XXXX, the issues have not been addressed, and I believe my consumer rights have been violated. I am requesting the CFPBs assistance in investigating this matter and ensuring that XXXX complies with its obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Product: Credit reporting

I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.
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 items 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 items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Over the past 8 years in speaking with The Navient team, I was advised to take advantage of the loan forgiveness program which was communicated to freeze payments and interest on my federal loans. However, It looks like my interest in loans has been compounding over the years. I originally took out XXXX in loan and now I'm close to XXXX in total debt because of interest. Over the last 10 years, I've basically been out of full-time work so I have hardship paying back the loan. 

CFPB did sue the company Navient for failing borrowers and used deceiving information. These tactics have illegally misled me and I'm ready to leave and want to get rid of my navient contract. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been 30/60/90 days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau XXXX times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called ACA to inquire about when has my account been 30/60/90 late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from ACA stating that I now owe {$230.00} in late fees. Once again I called ACA at this point I can't even sign into my ACA portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against ACA with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru ACA so I have to car payments and two insurance payments with no end to this night mare with ACA. The stress, frustration and aggregation that this is causing in ridiculous. ACA don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what ACA has reported to the credit bureaus. None of my payments have gone past 30/60/90 days past the current payment date. I want my credit reports to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.