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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

XXXX mastercard offered 6 months no interest if paid in full to me. I took advantage of the offer. They then began charging interest immediately, starting on my XXXX/XXXX/15 statement in the amount of {$10.00}. I want the special financing they offered as advertised!
Product: Payday loan, title loan, or personal loan

Despite calling and opting out to XXXX XXXX XXXX XXXX twice in the last six months, I still continue to get prescreened credit offers in the mail from the Lending Club and XXXX XXXX Two to three a week. I have called both and the offers continue. 

Please help me to get these stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with XXXX XXXX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Credit reporting

The XXXX medical collection items date back at least XXXXfive years and may even be an illegal attempt to collect a bankruptcy debt, again. These VERY small debts {$20.00}, {$20.00}, & {$40.00} were paid directly with the creditor after appropriate corrections were made. Any outstanding debt is absurd since I 've paid, on a timely basis over {$10000.00} in other medical debts since 2011 alone.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act Self Financial/ lead bank has violated my rights as a consumer. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Subject : Fraudulent Collection Account Reported by Jefferson Capital Systems Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent collection account being reported by Jefferson Capital Systems on my credit report. The account in question was allegedly opened while I was still a minor, and the name associated with the account is not mine. However, my Social Security number was used fraudulently to open the account. 

This account is not mine, and I never authorized its creation. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting an immediate investigation into this matter and the removal of this fraudulent account from my credit report with XXXX, XXXX, and XXXX. 

I have attached copies of : My identification ( drivers license or ID ) A copy of my credit report showing the fraudulent account Any additional supporting documents I am also requesting that Jefferson Capital Systems provide all documentation, including the original credit application, that proves I am responsible for this debt. If they can not provide legitimate proof, the account must be permanently removed from my credit file. 

Please provide written confirmation once the account has been removed. If further information is needed, I can be reached at the contact details listed above. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

NELNET is continuing to report fraudulent accounts & sending me letters claiming I requested a forbearance & repayment plan. On XX/XX/2018, I submitted the required identity theft affidavit requested & sent to me by NELNET. I had already submitted the required FTC identity theft report to them but they requested their own specific affidavit. I'm totally confused by their lack of record keeping and would like this matter closed as it continues to create a ton of emotional & physical stress. I'm attaching the both the FTC report & NELNET 's specific affidavit for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint with TD Bank in regards to a credit card I have with them. Back in XXXX we missed a payment that was due on XX/XX/XXXX as well as missed a payment that was due on XX/XX/XXXX. We again missed a payment on XX/XX/XXXX but paid the next day on XX/XX/XXXX. So according to my calculations, we were only ever 61 days late for a payment, which is the largest lapse in payment on our TD credit card account. When we called to make the payment on XX/XX/XXXX, the person on the phone informed us of a program called the Re-age program that would help us catch up on our past due balance which was over {$600.00} at that point. We were told that we could split up the payment to {$200.00} a month for 3 months which was the duration of the Re-Age program. Once those 3 months were up, we would go back to making the minimum payment due. Our issue is, we were told over the phone that our new payment due date under the Re-Age program was now going to be on the XXXX of the month for the next 3 months. So, XXXX, XXXX and XX/XX/XXXX. The problem is, they never noted this on our account and we didn't realize that they still had our payment due date listed as the XXXX of the month. We didn't realize this until we checked XXXX XXXX and saw that TD had listed us as delinquent payments for months and months, completely destroying our credit score. We've called TD bank numerous times since we discovered our credit score and not only has our credit score been affected but we were charged late fees erroneously. The frustrating part is, they have no records in their system that this new payment date of the XXXX was discussed, which it was. TD claimed that they would launch an investigation to go over recorded phone calls that we've had with them since XX/XX/2020 to prove that what we are saying is factual. I've repeatedly been calling TD to check on the status of this investigation and it appears every time that no investigation has been launched. If all calls are recorded as they say they are, there would be numerous call where this new payment date of the XXXX is referenced, At this point, TD has done absolutely nothing to correct this and it's affecting us trying to by a house because of the hit our credit score has taken due to TD incorrectly reporting us month after month.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications XXXX paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.
Product: Credit reporting or other personal consumer reports

There was a major data breach and a lot if not all of my info has been exposed to third party sites for use.
Product: Credit reporting

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Product: Mortgage

I received notices about insurance from the lender New Rez. I uploaded proof of insurance in accordance with their instructions but they still placed insurance and have been billing me.
Product: Vehicle loan or lease

On XXXX XXXX I purchased a XXXX XXXX XXXX  which was a lease prior to leasing this vehicle I had a XXXX  XXXX  that I traded in for the XXXX  in XXXX when I turned in the XXXX  I was over in miles because I had to wait to get the XXXX  so the sales rep told me not to worry about the miles he would take care of the miles.but later in XXXX when my XXXX  lease was up I discovered that the miles had not been Pais an it was in my credit. So I contacted the sales rep an he pretty much told me that the was nothing he could do so at this time my lease was gon na be up XX/XX/XXXX so I had contacted Mercedez financial to give them my purchase order because the car that I order back in XXXX of XXXX still had not arrived they did not allow me to make an extension I called them almost everyday trying to fix this problem because I needed a extension I've never been late on not one payment they would not do anything to grant me a extension So on XX/XX/XXXX I received a letter dated XX/XX/XXXX stated I ad ten days to turn the car in purchase the car or give them a purchase order. so by the time I received the letter the next day they came to get the car an they never gave me time to turn the car in I asked them why did it take 16 days for mr to get a letter that gave me 10 days to turn the car in I never got a chance to turn the car in but I had already given them a purchase order but they would not help me.if I would of turned the car in I would not had these fees this is affecting my credit. lve contacted them to ask them to remove the fees they want I told them its not fare for me to have to pay these fees when XXXX  XXXX   delivered the paper 16 days from when they dated the letter they told me I have to take it up with XXXX  XXXX when I called XXXX  XXXX  an gave them the tracking number said that they received the package on XXXX XXXX not XXXX XXXX so that explained why received the letter on XXXX I have attached a copy of the letter as well as the tracking number .Please assist me with this issue Mercedez contact number XXXX purchase order number XXXX my contact number XXXX name on lease XXXX XXXX
Product: Debt collection

I have submitted dispute to the three credit bureaus to verify this account. On three separate occasions this account has came back verified by XXXX  and XXXX. XXXX   sent result stating that this account was not verified and it did not belong to me and it was deleted. If XXXX  was unable to verify this account how is this account verified by XXXX  and XXXX? I request that this inaccurate unverified account to be deleted promptly from XXXX  and XXXX. If this account is indeed accurate and valid I request the original signed contract with my original signature.
Product: Credit card

I made a debit transaction from my on-line XXXX XXXX XXXXXXXX account XXXX 

The money was taken, out, and sent to Regions ...... Regions claimed... they never received my payment to their bank card. 

Please help, I'm being robbed by the banking system!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXXD # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX 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, credit repair services, or other personal consumer reports

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX  and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  what are these accounts. please help me this is ruining my life please.
Product: Credit card or prepaid card

Enrolled in AUTOPAY to pay FULL BALANCE every month on the XXXX. Payment did not come out yesterday. I phoned Elan Financial yesterday XX/XX/22 to ensure everything would work. Nothing was paid. Agents disconnected the call or hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX  ( Maryland ) This information has been forwarded to XXXX XXXX, the Director of the CFPB. A lawsuit will follow.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against TRANSUNION for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to TRANSUNION regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, TRANSUNION failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt collection

i am lodging a formal complaint against phoenix financial services. this debt collector has reported derogatory info on my credit reports in the amount of {$1100.00} for a debt that isnt mine. this derogatory account just popped up on my credit reports with no dunning notice from phoenix, which is a violation of the fdcpa/fcra. debt collectors must send notice which then gives me 30 days to dispute validity. I have never recieved anything from phoenix financial. i am in the process of purchasing my very first home for my family and i.now my realtor is telling me this errounous account is holding me back. i am requesting immediate deletion of account from my credit reports. better business bureau, and attorney general complkaints will be filed next if this account isnt deleted. thank you for your time!
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - XXXX - {$19000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( XXXX  ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

Atlas credit, XXXX, Va, XXXX XXXX, came to my job to collect on a debt, it is very embarrassing and causes disruption at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION 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.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, Using my Paypal account, I sent {$850.00} to my son. He never received it. 
I used the Contact in my Paypal account labelled " XXXX ''. This contact was previously used successfully on XX/XX/2022 to send money to my son and stored in my paypal account. Instead of going to my son, it went to another account that was impersonating my son with the same name and initials. 

I have attempted to resolve this with Paypal and the case ( XXXX XXXX was closed by Paypal saying there was no fraud or unauthorized transaction. I have requested further information such as an explanation as to how the Paypal account and email behind my Contact " XXXX '' could of been changed without my knowledge. I have asked for the logs as to when this change occured and by whom. Paypal will not allow me to re-open the case to gather this information.
Product: Credit reporting or other personal consumer reports

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

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

IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY
Product: Debt collection

GLA COLLECTION CO INC XXXX XXXX XXXX KY XXXX ( XXXX ) XXXX THEY HAVE CONTINUED TO HARRASS ME WITH PHONE CALLS. I PHYSICALLY TOLD THEM TO PROVIDE ME WITH PROOF. THEY SENT A BILL. NO VALID OWNERSHIP. MY MEDICAL BILLS OF 2023 ARE UNDER LEGAL REVIEW AND INSURANCE REVIEW BECAUSE MEDICAL BILLS WERE NOT RAN THROUGH A SECONDARY INSURANCE POLICY COVERAGE. I HAVE FILED DISPUTES W ALL 3 BUREAUS. FCRA FDCPA AND CFPB RULES HAVE NOT BEEN PROPERLY FOLLOWED
Product: Credit reporting, credit repair services, or other personal consumer reports

I get repeated calls from XXXX about lower rates for discovery card. 
They are obvious scammers asking how much money I have. I've told them to stop calling and that I am reporting them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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: Credit reporting or other personal consumer reports

These late payments are inconsistent with my typical payment behavior.