23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Carmax wrote off through taxes over XXXX dollars for this account but are still adding it to my credit.
Product: Debt collection

The company Debt Pay GateWay in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This company is taking {$14.00} dollars from settlement to pay XXXX XXXX XXXX but since I received an email from XXXX that they will close the account and will not representing me no more the company GateWay still taking the same amount every month after I talk to them and said they will look at it, but I havent heard nothing. Could you please please look in to it or what could you do about it. Thank you for your time and hope I could hear from you.
Product: Debt collection

At issue is this CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$510.00} Date Updated : XX/XX/XXXX Original Amount : {$410.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< I have never been a patient or a responsible party of a patient of XXXX XXXX. I have called this company several times and nothing was accomplished. I have called the collection agency and nothing was accomplished. I challenged this collection and they verified as accurate an account and collection in which I have no responsibility for as I have never been a patient. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ), XXXX XXXX ( Original Creditor : XXXX XXXX  ), XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$13000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 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 XXXX XXXX XXXX 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. 
I demand that all phone numbers are deleted. 
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. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely Enclosed : copy of State ID and Utility bill showing proof of address
Product: Bank account or service

I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

The XXXX reported on my credit file is incorrect, and this inaccuracy is detrimental to my XXXX XXXX By misreporting the XXXX  you are effectively re-aging the account, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. TU reports the XXXX as XXXX. EX reports the XXXX as XXXX  EX reports the XXXX as XXXX Please see the attached dispute letter which is dated and time stamped. Delete this account and provide me with a written confirmation of the deletion. Failure to do so will leave me no choice but to pursue legal remedies for the damages caused by this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and XXXX XXXX there is some inaccurate information reporting.

DPT EDXXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting.

DPT EDXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/XXXX, I was involved in an automobile accident. This accident was in the state of North Carolina where I hydroplaned from bad weather conditions. Due to this event, it lead me to hardship because that was my only vehicle I had in the in state. I was involved in a subrogation between XXXX XXXX, XXXX XXXX, and XXXX XXXX. I purchased gap coverage insurance at the time I got the vehicle. To my knowledge, I had full coverage and the vehicle was deemed as a total loss. The vehicle was seized by the insurance company and their was no offer to settle of any. XXXX XXXX has not contacted me. Even though I have wrote several letters dating to this year on XX/XX/XXXX about the matter. They still continue to damage my credit and report falsely with balances that should not be owed. This company obligations to uphold the federal law for reporting has failed in my eyes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get three collections removed from my Equifax credit report for over four months now & they still wont remove the information from my credit report like XXXX and XXXX successfully did. One collection amount is {$73.00}. The second one is {$210.00}. & the third one is {$110.00}.
Product: Debt collection

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX 

The following are the reason ( s ) why XXXX should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
Product: Checking or savings account

I was a victim of identity theft and someone gained access to my old capital one 360 online account ( XXXX ). Along with that, another bank I had was compromised as well which was XXXX XXXX XXXX XXXX which is now renamed XXXX XXXX XXXX XXXX. I need to know all remote check deposits between capital one 360 ( account : XXXX ) and XXXX XXXX XXXX XXXX which is now renamed XXXX XXXX XXXX XXXX from starting date XX/XX/XXXX to XX/XX/XXXX due to identity theft/fraud. These checked couldve been capital one checks from account XXXX being deposited through remote check deposit into the credit union or it couldve been a check from the credit union being deposited into my closed account XXXX from the credit union. This is an urgent matter and this is a new request/problem that was not addressed by capital one. Please do not closed this out.
Product: Credit reporting or other personal consumer reports

XXXX weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, Experian and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, XXXX, lists my public record update as XX/XX/XXXX, Experian has not updated my public record, but they also have not sent me their MOV either.
Product: Debt collection

The account is not mine, was never my account. I contacted the company and nothing. 
Ceditor KIKOFF LENDING LLC 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
Product: Bank account or service

I have attempted to resolve this already with Ohio Eppicard, a child support debit card. There are purchases over the course of several months on my account I have disputed, mostly XXXX charges. I become aware of such charges approx XXXX 2016 at which time I notified the debit card company. I was informed the investigation period could take up to 90 days. I recently received notification that the investigation has been complete and I will not receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a Data Breach by Correct Care Integrated Medical. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Equifax to reinvestigate these accounts : Account : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX XXXX consumer dob XXXX XXXX XXXX  consumer social security # XXXX this complaint has been filed to request pursuant to fcra ( 15usc1681 c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.these fraudulent, inaccurate and false information consist of the following accounts # XXXXXXXX XXXX acount # XXXX XXXX {$26000.00} account # XXXXXXXX XXXX acount # XXXX balance {$1400.00} account # XXXX acount # XXXX balance {$63.00} acount # XXXX acount # XXXX balance {$170.00} and acount # XXXXXXXX XXXX acount XXXX XXXX balance {$6400.00} I've attached an ftc report # XXXX as proof.the aforementioned accounts are reporting on my consumer reporting by you where not made opened made or initiated by me.delete immediately
Product: Debt collection

National credit adjusters LLC I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with manager, I was placed on hold when she returned her reply was with instructions to email her manager with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the manager we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.