23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent account in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Im attaching the required XXXX XXXX for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, 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 XXXX XXXXXXXX, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; 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 Experian 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 XXXX XXXX XXXX XXXX... and I would truly not what to pursue a legal remedy, and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 



Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Checking or savings account

XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Request for Immediate Removal of Fraudulent Account Dear Early Warning, I am writing to follow up on my prior communication sent in XXXX XXXX XXXX regarding a fraudulent account listed on my business 's Early Warning report. Regrettably, I have not received a response, nor has there been any action taken to remove the fraudulent account from my report.

Upon reviewing my report, I identified an account with XXXX XXXX XXXX XXXX, that was fraudulently opened in my name without my knowledge or consent. The account details are as follows : - Bank Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX I have also taken further steps since my last correspondence, including filing a report with the Federal Trade Commission ( FTC ), confirming the account was opened as part of an identity theft scheme.

Given the substantial documentation supporting my claim, I now formally demand the immediate removal of this fraudulent account from my business Early Warning report. This matter has already caused significant damage, and failure to resolve this issue in a timely manner will force me to escalate the situation further, potentially involving legal action.

Please confirm the removal of the fraudulent account in writing at your earliest convenience and also Request that XXXX XXXX XXXX update their records. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Holier than thou, chase bank decided that i am a bad client after 30 + years.

They then lagged the close out payment, of cash on hand for 2 weeks because they wanted to 'punish me '.

They then send a closed notice, not describing the reason, for all my accounts.

They then send a tardy statement for my last visa payment to clear my account in order to OVERCHARGE me by XXXX for LATE FEES. 

I have paid this XXXX under protest of the late fees, with their operator XXXX, who was unwilling to adjust a late fee that was equal to the owed balance. 

CHASE BANK are Monsters, and deserve to be broken up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXS ****** has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : XXXX XXXX XXXX XXXXccount number XXXX XXXX ) XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX Date of Charge-Off : XX/XX/2024. It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX had reported the loan as closed and paid in full. Experian had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c 2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Product: Debt collection

I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : * XXXX XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures * 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors * 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : * A copy of my government-issued ID * My EWS report * A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution.

Failure to comply may result in legal action. Thank you for your prompt attention to this matter.
Product: Debt collection

The laws of FDCPA 15 USC 1692 states that every time you mailed me a notice or bill it was a violation of 1692b ( 5 ) as they have logos that would allow anyone included but not limited to my mail main or relatives knowing that someone from this company is communicating with me concerning an alleged debt owed. I have five ( 5 ) documents that have been sent to me, each were sent with this violation on the envelope. Please see Attachment 3 for example.

The law of FDCPA 15 USC 1692e, 807 ( 9 ) and 807 ( 11 ) - False or Misleading Representations.. .have both violated since - 807 ( 9 ) - there is no author, no one signed the letters.. .and - 807 ( 11 ) - they failed to disclose that the communications is from a debt collector as seen in the included Attachments 1 & 2.

Aspire Servicing Center is in violation of 15 USC 1692e.. .as they are telling me an amount is due on my account that has a positive credit balance balance which is false and misleading as I can not pay something that is already positive. I have reason to believe and do so believe, pursuant to 15 USC 1666d.. .if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to, I the consumer by check. The documentary evidence must be provided to clarify this amount as this a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 USC 44 to resolve this billing error. See attachments 4-15.
Product: Debt collection

Over 2 months ago I settled a collections account with XXXX. And it is not being showed as settled. On my credit report it shows only half paid and a late payment, when this account was settled and paid off back in XXXX. I've spoken with Convergent Outsourcing several times, they say they will fix it but never do. Please help just get this debt off my credit report
Product: Vehicle loan or lease

GM Financial has right on their website that all leases will be AUTOMATICALLY extended month to month for up to six months in one month increments, and nothing more needs to be done. We needed to extend our lease and saw that and nothing else needed to be done. GM also had our wrong email ( missing XXXX in it ), used the corporate office number to contact us about a late payment ( must have been off the credit application because we never provided it, as it is not a number my husband can be reached at, and an old address so we never received ANY notice of the late payment and assumed it was all fine since their website reads that it will automatically extend month to month. The day we realized we had a late payment ( first EVER ) we paid the double payment. We contacted GM- they told us to contact credit companies. I filed disputes with all three credit companies-all were denied. I contacted the credit companies and was told to contact GM. I contacted GM again and got nothing in response at all. Our credit score is ruined and it was not at all our fault that the website ( STILL READS TODAY ) that it will automatically extend-it doesn't state that it shuts off autopay, or that the payment changes in NY.
Product: Student loan

I went to school for two semesters and accumulated a debt over 15000. Lost my job and requested a hard ship and no contact was ever made to let me know options. I have tried to call both companies to work out and debit resolution since they are old and no can locate my account via social or name but are holding me responsible for a debit that can be forgotten a
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 on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants  of  XXXX , MI notified me of a debt but no additional information provided prior to placing this on my credit files.
Product: Credit reporting or other personal consumer reports

I submitted a mortgage payment to XXXX XXXX on XX/XX/year> that should have cleared my bank account, as there were balances available. There was a delay in processing that caused my check to bounce and for me to get a returned check fee along with a 30 day late notice. I have never been late ( 30 days ) on my loan with XXXX. I wanted to ask to delete this 30 day late from my records. I can provide bank statements showing funds available in the payment account at the time the payment was processed.
Product: Debt collection

I am getting calls every morning between XXXX and XXXX CST while I am at work. I am not supposed to use my personal phone on the clock and can not have personal calls on the work phone at all. I have told NCB Management, who has my XXXX XXXX XXXX repossession debt, that I am at work from XXXX to XXXX Monday through Friday and that I am not supposed to take personal phone calls at work several times. I have been doing my best to work with them anyway on paying {$50.00} per month. Now I'm being charged {$50.00} a week, which is every paycheck. I don't remember asking for that specifically. They say it's because they are trying to keep my credit from being damaged or I would have to pay {$200.00} per month other wise to keep my credit secure. The repossession of my vehicle was back in 2017. NCB Management is getting on my nerves now that XXXX XXXX XXXX passed my debt to them. I have had enough! 

Furthermore, when they call, they immediately ask for my name, and I am not identifying myself until I know who and what company is calling and for what reason. I get lots of scam and spam calls doing the same, and NCB never calls from the same number. I want to fix this and my credit, but I can't when NCB does all this and tries to control my finances to their benefit even when it hurts me. Pretty sure all that is illegal from what I have read.
Product: Consumer Loan

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was reporting late payments durning a bankruptcy and during COVID when the entire world was XXXX down.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 I got email by my collage email address says he offered part time job and i started communicated with the hire person by my personal email address and he started " I provide individual and group therapy, coaching, assessment, and academic screenings to support students & individuals with XXXX ( XXXX XXXX XXXX XXXX XXXX ) registered with XXXX. A large percentage of people served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need mental health support to be successful. 

In addition, many Students with academic difficulties and no prior diagnosis are seen and assessed through the academic screening and assessment process. I also am the XXXX XXXX XXXX, training and coordination of counseling psychology and clinical psychology graduate students of the United States who have practicums at XXXX and XXXX accredited school psychology predoctoral interns. You have received this email because you have an offer from the University XXXX for XXXX to work with me while we help Students with disabilities frustrated with ignorance and lack of services as my temporary personal assistant. 

I care about Animal Welfare, Arts and Culture, Children, Civil Rights and Social Action, Education, Environment, Disaster and Humanitarian Relief, Social Services, and lots more. This is a very simple job. You will only help me purchase some Items when needed. This employment only takes an hour a day and 3 times a week for {$500.00} weekly. 

I am unable to meet up for an interview because I am currently in XXXX with my wife who is Battling with XXXX and has an upcoming XXXX next week. You will be paid in advance for all tasks and purchased to be done on my behalf. Upon my arrival we will discuss the possibility of making this a long-term employment if I am impressed with your services while I am away '' and i accepted the job and started to work. on XX/XX/2021, XXXX and XX/XX/2021 he continued sent me the check by email worth {$4500.00}, {$2000.00}, and {$3500.00} and he asked me to print out and deposit in my bank by phone. after i deposit in my bank my bank approved the next day, after that he asked me to sent back to him by XXXX transfer worth {$2000.00} and {$1000.00} separately to the person name XXXX, also he asked me to buy Bitcoins worth {$2500.00}, {$1000.00}, and {$2000.00}, after 3 days my bank rejected my check one by one, and i called my bank to ask whats going on they told me the check is not legitimate. after that i know i got scammed and reported my local police department and my school police department, and FBI,
Product: Credit reporting

EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.