23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a XXXX refrigerator from Sears. It was not used until XX/XX/XXXX. At that time it was not cooling. I contacted Sears about repair or replacement. They sent a repair technician. XX/XX/XXXX, Sears technician said the brand, new refrigerator needs a compressor and rescheduled repair for XX/XX/XXXX. I called every Sears contact, including Sears Corporate Office and explained that I had an urgent need to provide tenants with refrigerator sooner that the 2-week time. I even begged to borrow a scratch & dent fridge! Sears consistently responded that they would not take the fridge back beyond 30 days. I requested that they remove the fridge from my property. 
XX/XX/XXXX Sears technician decided that the compressor was not the problem and he needed to order a timer and thermostat. XX/XX/XXXX, technician said all parts did not arrive and he must reorder the thermostat. More repair appointments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The repair scheduler was surprised that Sears did not replace the fridge. I kept calling Sears to replace the refrigerator. The CSR offered me {$50.00} discount. I declined and request that they remove it from my home. I paid other unrelated charges on my account and informed Sears that I will not be paying the balance of {$290.00} which I attributed to the partial cost of the fridge. I responded to Sears ' complaint form of XX/XX/XXXX, reciting these allegations. They decided that I am responsible for the balance-not because the fridge is useful, but because they were not contacted in a timely manner!! Citi informed me that they sold my account balance to Collections ; XXXX XXXX XXXX, XXXX. The fridge is still useless and is waiting in my home for Sears to remove it. I am particularly upset because I firmly believe Sears would not have dumped their defective product out on XXXX XXXX or in XXXX and compel those consumers to pay for and keep a refrigerator that they can not use. But people in inner city XXXX are easy, defenseless targets to exploit. This is highly offensive. 
4 documents attached. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I took out a loan through my bank to pay off this credit card. My bank called them directly for the payoff amount and mailed the check. Company mailed the check back to the bank stating they could not credit to account. Bank immediately mailed the check back without changing anything. Company cashed it, and we assumed it paid off the account. After the account was sent to collections, we started asking questions as to where the money was credited to, and we wanted statements. The company, or the collection agency were not able to furnish us with statements, or any kind of answers. During this time, it has been reporting my credit as a charge off account. This has taken years to get no resolution, and it needs to be resolved. It 's negatively affecting my credit, and I am unable to move on with my life. We have provided all companies with documenting emails and copies of the cashed check to no resolution. During the time of the payoff, Capital One bought XXXX, so it is my belief that this situation happened in error during the handover.
Product: Checking or savings account

I deposited 2 checks given to me by my parents on XX/XX/2022 and my account was locked the following day while the checks were under review. I was unable to receive payment from my employer and I called XXXX. 

Despite numerous calls over the next 15 days, I have not been granted access to my account. I have now : -Missed 2 paychecks from my employer -Unable to make student loan payments -Been reliant on my credit card to make purchases I have called XXXX close to 10 times and receive conflicting information in every call from being told my account is restricted, to it being closed, to re-opened, and restricted once more. 

This has been absolutely absurd and I want my hard earned money back immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CREDIT COLLECTION SERVICES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CREDIT COLLECTION SERVICES ] for violating my rights as a consumer. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. Thank you for your anticipated cooperation. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to follow up on my previous complaint to TransUnion. I've attached my FTC report for the first negative item, XXXX XXXX XXXX. This tradeline is illegal and needs to be removed as it violates the Fair Credit Reporting Act ( FCRA ). The company does not have any official documents or chain of title. XXXX XXXX has been removed from all other credit companies ( XXXX, XXXX ). I've attached that below as this company has admitted and verified that they have no XXXX for this alleged debt that is not mine. They have sold this secured debt to a trust and there is no assignment or title. I have never done business with this company. How is it that your investigation comes back verified but it does not meet FCRA to the other credit bureaus? You all have to abide by the law. The three inquiries that have attached are all fraud and I am disputing all inaccuracies within these negative items. These inquires were not done by me at all. I am victim of Identity Fraud and these accounts are not mine. I reuqest you investigate every account and inquiry I hacve attached to this complaint and remove these tradelines as this is hurting my credit worthiness. Additionally, I am aware of the CFPBs recent judgment against TransUnion for failing to provide accurate and fair reporting of consumer credit information. This judgment further underscores the importance of ensuring my credit report is corrected promptly.Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputed items on my credit report within 30 days. I kindly request a written response confirming receipt of this dispute and a detailed explanation of the outcome of your investigation.I have also contacted my local police department and filed a report about this identity theft incident. Despite this, XXXX XXXX XXXX refuses to comply with the law by continuing to report this fraudulent account on my credit profile. Lastly, you have all wrong adresses on my report, pls remove these and use the one I have attached as this is my real adress. These fraudelent accounts are attached to this adresses.
Product: Debt collection

I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. 
XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. 
XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX  months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via XXXX and XXXX XXXX. i called XXXX trying to remove it and it is not visible on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts/inquiries that are in violation of XXXX XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates XXXX XXXX guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with XXXX XXXX guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Checking Account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - {$93.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  TX - {$50.00} XX/XX/XXXX Target XXXX XXXX CA - {$93.00} XX/XX/XXXX Target XXXX XXXX XXXX TX - {$93.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX - {$50.00} XX/XX/XXXX XX/XX/XXXX XXXX  TRANSER FROM SAVINGS {$340.00} XXXX XXXX  DC - {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX TX - {$50.00} XX/XX/XXXX XXXX  XXXX XXXX TX - {$50.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX TX - {$50.00} XX/XX/XXXX XXXX  XXXX XXXX TX - {$50.00} XX/XX/XXXX XXXX  XXXX XXXX CO - {$50.00} XX/XX/XXXX XXXX  XXXX XXXX CO - {$93.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX DC - {$5.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX TX - {$49.00} XX/XX/XXXX XXXX  XXXX XXXX TX - {$52.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA - {$390.00} XX/XX/XXXXXXXX XXXX XXXX DC - {$10.00} XX/XX/XXXX XXXX XXXX  DC - {$8.00} XX/XX/XXXX Savings Account XX/XX/XXXXXXXX XXXX TRANSFER TO CHECKING - {$340.00} PENDING ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$290.00} All of the above transactions were NOT made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD made a hard inquiry to my XXXX credit report on XX/XX/22 and XX/XX/22. 

I have no relationship with, have not applied for any products from, and have not granted credit report authorization to Chase Bank. 

Calls to the bank on this matter went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been recently updated & verified as accurate on my Experian credit report. Please see attachment ; Account : XXXX XXXX XXXX XXXX is reporting inaccurately and is inconsistent. 


Account does not appear on either XXXX and XXXX inconsistent reporting. A violation of FCRA rules 1681 Account does not currently reports last date of payment a violation of FCRA rules section 1681 Account does not reports last date of activity. A violation of FCRA rules section 1681 Account does not reports accurate balance or past due balance. A violation of FCRA rules section 1681.

Account does not accurately reports creditor business address and phone number. A violation of FCRA rules section 1681.
Product: Debt collection

Debt Validity Dispute I started working as a XXXX in a XXXX XXXX on XX/XX/XXXX, I signed a new contract ( including a credit app ) with a company ( XXXX ), this supplier will provide our XXXX with their products ( XXXX XXXX XXXX, and XXXX ). 

we got a new account number ( XXXX ), and they supplied our store with their product for more than two months, after that XXXX sent me a letter on XX/XX/XXXX that we have an unpaid balance amount of XXXX $ for the period XX/XX/XXXX to XX/XX/XXXX, I contacted them on the same day and clarify that there are two different accounts for the store, owned by different persons ( XXXX Before XX/XX/XXXX and XXXX after XX/XX/XXXX ). 
unfortunately, No response from the company. 

I have Emails show that the second account is fully paid. 

After one month a collection company contact me on XX/XX/XXXX, they asked me to pay the unpaid balance, I explain to them that the balance you asking for is not mine because it is very clear the credit app I signed as a personal guarantor for the store dated on XX/XX/XXXX and the balance you asking for is before this date, so how I will be responsible for a debt owed before I signed the credit app, and the account number for the unpaid balance is different ( XXXX ), I provided the collection agency with different documents proofing my statements and what I alleged, they reply by an email after two days ( thanks for the detail ) with only one sentence, I thought that they understand the situation and decided to stop considering me accountable for this debit, and the story end. 

But after three months, on XX/XX/XXXX I received an email from my bank mentioning a negative activity on my credit score, I checked my account and I found an open collection By ( Caine & Weiner ) for the creditor XXXX XXXX, I requested verification documents for the debit from the collection company on XX/XX/XXXX by email, and the second time I sent an email on XX/XX/XXXX and a certified mail on XX/XX/XXXX requesting the verification documents, Unfortunetlly No any documents sent to me or mailed.
Product: Debt collection

XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CROSSCOUNTRY MTG/XXXX ACCOUNT # XXXX Late payment reported on ( XXXX, XX/XX/2020 ). Please update the account as Paid/Current The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/2020 stating creditors should not report any late payments. The law says the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXXOVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XXXX XXXX, 2020 and do not apply to charged-off accounts. Please remove the late payments on XXXX and XXXX 2020 as its a direct violation of the Coronavirus Aid, Relief, and Economic Security Act. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.