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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, 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 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: Checking or savings account

In XXXX {$90000.00} was transferred from my XXXX XXXX XXXX  account to an E-Trade savings account. They froze my account after taking the XXXX in funds plus another XXXX in a brokerage account. I called and eventually got it unfrozen. After I got my account unlocked after lengthy calls with customer service they reopened it. Once it was reopened i was so frustrated with how long I was locked out of my account. When I got back in the first thing I did was send the funds to my XXXX account. E-trade sent the funds to my XXXX  account on XX/XX/XXXX and on XX/XX/XXXX took the funds back out of my XXXX  account and permanently put a hold on my money. They won't unlock my account and have given me no recourse to receive my funds which are stuck in limbo even though I have supplied them with pictures of XXXX  card, Passport, drivers license.
Product: Debt collection

They called me 18 times from XXXX on XX/XX/year>2025 between XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.
Product: Debt collection

CMRE Financial Services was sent an account by mistake after the debt was paid in full. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, after receiving a 30 day notice dated XX/XX/XXXX. The account was then wrongfully sent to CRME for collection AFTER payment was received and BEFORE 30 days.

CRME started collection calls in early XXXX, before i was aware the account was sent to collections, so I assumed the calls were a scam. I received notice from CMRE on Monday, XX/XX/XXXX. I called the following day, Tuesday, XX/XX/XXXX and requested information on how to dispute the debt. I was given an email address and told to send proof of payment such as a bank statement showing the payment. I did this on Tuesday, XX/XX/XXXX. 

No one ever responded to the email, and I received multiple phone calls per week after sending proof of payment. I sent a follow up email on Sunday, XX/XX/XXXX asking the calls to stop, again, no response, but more phone calls. 

On Thursday, XX/XX/XXXX, I answered the call from CRME to find out why they were continuing trying to collect, and was told that my proof of payment was not sufficient because my bank statement I had attached, did not have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a follow up email with further proof of payment- multiple bank statements with the same office listed on the statements as well as statements from XXXX XXXX XXXX XXXX the payments. 

Again, no response to my email, but the calls continued. 

I called XXXX XXXX XXXX  to ask what could be done to get the collection calls to stop. They had no reason as to why the account was sent to collections in the first place, but they would provide me with a paid in full receipt to provide to CRME. I waited for the receipt to arrive in the mail. It finally arrived to me on XX/XX/XXXX. 

On XX/XX/XXXX, I sent the paid in full receipt to CRME. Again, no response from them. Calls still continued. 

On XX/XX/XXXX, I received notice that my dispute was denied, and they would continue to attempt to collect. I am at my wits end here, and don't know what else I can do to fix this. 

I will attach all correspondence.
Product: Credit card

I am formally complaining against PORTFOLIO RECOVERY I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with PORTFOLIO RECOVERY nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted PORTFOLIO RECOVERY who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that PORTFOLIO RECOVERY stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my mortgage company about late payments that I considered not late. 
I have XXXX in XXXX, XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX all of these dates are 15 days late from the first of the month, and one or more days after the grace period which is after the 15th of the month. I am charged a grace period fee and a 30-day late payment penalty. Then I question them how can this be when it is only 15 days late. I was told that they were correct because the state law allows them to penalize the borrower for the full 30 days after the grace period. 

My question is to you all is this fair to when it stated on my credit report, this is a 30 days lateness, not 15 days. I am being cheated out of 15 days, the law is wrong. 
Who has ever known this law existed to favor the lawn company? 
Show this be changed to fit both the borrower and the lender?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX {$980.00}
Product: Credit card

I was alerted that there had been a check on my credit by Citi bank. 
I was concerned and notified my bank ( not Citi that issued the card. my bank which is where the alert came from ) because I had not applied for a credit card. 
The said they would look into it. 

Today I received an unsolicited Citi XXXX. 
I called to cancel it, and they said there would be an investigation but that I would not be given any details regarding the outcome.
Product: Debt collection

On XX/XX/2023, I reviewed my consumer credit report and discovered a collection listed for {$1300.00} related to an XXXX XXXX account. Additionally, I observed an unfamiliar address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX XXXX, associated with my credit report, despite never having lived there. Upon further investigation, I confirmed this information by contacting the listed collection company, Sequium Asset Solutions , LLC. 

Upon contacting Sequium, I provided them with my information, and they promised to send me a fraud packet. Once received, I promptly filled out the packet and reached out to inquire about the submission process. Surprisingly, Sequium informed me that they had returned the collection to XXXX XXXX, and I would need to contact them directly. 

Subsequently, I contacted XXXX XXXX, and they assured me they would send a different fraud packet for me to complete. I have received this packet from XXXXXXXX XXXX, filled it out, and intend to submit it once I have gathered all the required information as outlined in the packet. Furthermore, the packet instructs me to complete an online FTC complaint and document the case number for reference. I will follow these instructions to address and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on XXXX and Equifax that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.
Product: Bank account or service

I deposited {$400.00} cash and a {$1400.00} personal check to a new-ish ( more than 30 days ) checking account. They mentioned there could be a hold, but I did n't expect them to CLOSE my accounts ( due to " suspicious '' activity or unverified funds ). Calling the fraud department, going into my branch and waiting over a month have yielded a return of some of the funds, but they say they will hold the {$1400.00} until they can " verify funds ''. The payer 's bank says they will do that over the phone if asked! More than a month later, they still have the funds.
Product: Credit reporting or other personal consumer reports

Under closed accounts there are two different entries that are for the same account number with XXXX XXXX XXXX The most recently added entry, that began in XX/XX/XXXX, is a repeat from the same account opened in XXXX
Product: Credit reporting, credit repair services, 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. The letters are stated with items and issues. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information r
elating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies from the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Credit reporting

A home phone account was opened up by my parents in XX/XX/XXXX, and two years later I was born. Upon running a recent credit report for refinancing my own home, it was discovered that my parent 's phone account was placed under my name, including a negative reporting that showed up on my credit report. My father and I share the same first and last name, but we are not a XXXX The phone company ( XXXX ) has been extremely difficult to work with in getting this resolved. I understand this can accidentally occur when family members share names, however since it was their mix-up, I feel they should be the responsible party for clearing this up. They transfer me from department to department, which also results in many disconnected calls. I 'm exhausted of telling this information time and time again, however they do not seem to care about working this out in a timely manner. Rather, it seems that as long as it does not affect them, the customer is responsible for their ( XXXX ) mistakes and the legwork involved in cleaning it up.
Product: Debt collection

XX/XX/XXXX I called XXXX at XXXX XXXX XXXX XXXX as indicated in the Patient Statement they sent me. I spoke with Communications Manager XXXX regarding my bill for XXXX. After a lengthy talk, we agreed to a XXXX monthly payment to be charged to my credit card every XXXX of the month and such payment will commence on XX/XX/XXXX. On the same day XX/XX/XXXX, my card showed a transaction for XXXX which is against what we agreed on. 

XXXX has not shown good faith in dealing with me. I made several attempts to contact them since XX/XX/XXXX to settle the account. Despite the nagging thought that the charge was somewhat doubtful, I decided to just arrange a payment plan because I was still in recovery from my accident. However, their most recent act showed how they have been less than truthful in dealing with me. I am therefore, questioning the services rendered ( XXXX ) on XX/XX/XXXX which amounted to XXXX, not including the ground mileage ( XXXX ) for XXXX. I was in stable condition when I was moved from XXXX in XXXX XXXX, XXXX to University XXXX in XXXX. I want to know the details of ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally looked into my credit and saw Multiple accounts from PHEAA After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX  ( EST ), I called Ford Credit back after one of the numerous messages they left on my personal cell phone. I dialed the extension for XXXX, but my call was answered by someone named XXXX. 
XXXX barely let me speak and was so rude and nasty I don't understand how or why she still has a job. She had the audacity to tell me I may as well cancel my {$60.00} partial payment ( which would have resulted in a {$35.00} stop payment fee to me ), threatened to reposses my car as if it belonged to her personally, and when I asked to be transferred to someone else, she hung up on me. 

I don't appreciate being threatened with repossession at XXXX XXXX XXXX especially not when I suffered a XXXX XXXX in XXXX and am still in recovery. 
I was laid off from my job in XX/XX/XXXX and suffered a XXXX XXXX in XX/XX/XXXX. I have been in recovery for 6 months and unable to work. I was JUST cleared to look for work a few weeks ago and my payment history wasn't bad before these events. 
XXXX doesn't appear to have been trained on how to be professional when speaking to customers ; she spoke to me as if I were less than a person because I'm not yet able to make my missed payments.
Product: Credit card or prepaid card

This has been going on for a few years now since the start of my XXXX benefit there's been nothing but fraudulent charges and I'm basically expected to just go without while they take their time and make sure that I'm not lying well they just sent me a letter about XXXX weeks ago saying that they owed for appeal that I had overturned in XXXX and that they were going to be sending me back my fees and XXXX and they've only given me back my fees. Still haven't got the XXXX charge back
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and Bank of America 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through Bank of America, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Product: Mortgage

XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Experian regarding an inaccurate account reported by XXXX XXXX XXXX  ( Account Number : XXXX ). Despite my request for verification, Experian has failed to provide any documentation proving the legitimacy of this debt and has refused to remove it from my credit report. 

I have attempted to dispute this multiple times, yet Experian has neither provided proof that this account belongs to me nor explained why the inaccurate information remains on my credit report. Instead, I received a notice stating that the incorrect account " will remain '' without any supporting evidence. 

This error has severely damaged my credit, preventing me from securing housing, obtaining a vehicle, and accessing essential financial opportunities. Furthermore, I have made several attempts to contact Experian by phone, but I have been unable to reach a representative or receive any meaningful response. 

Experians Violations Under the Fair Credit Reporting Act ( FCRA ) : Experian is legally required to : Conduct a reasonable investigation within 30 days of my dispute. 
Provide verification and documentation proving the accuracy of the disputed information. 
Remove any unverified or incorrect information from my credit report. 
By failing to comply with these requirements, Experian is violating the FCRA ( 15 U.S.C. 1681 ).