23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not authorize Lexis Nexis to furnish any information of my social security and information. They are falsely providing details that is unauthorized and I wish them to freeze and no longer report inaccurate and false information.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. 

Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 
XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Yesterday around XXXX I went too PNC branch located at XXXX XXXX XXXX XXXX XXXX FL XXXX United States XXXX to cash my insurance check, and this manager ( XXXX XXXX XXXX violated my rights, he gave me a hassle when I was trying too cash my check, basically saying the check is invalid, he cant verify it, I have too take it back too my bank so they can cash it. It was a 15-20minute back/forth embarrassing situation, they way he greeted me at the door was unacceptable, he couldve took me into his office to speak on the situation but he didnt we spoke in the lobby in front of everybody, I recorded partial of it, on my other phone. Another manager stepped in and looked at the check, called progressive right away and verified the check, and it only took her 3 minutes to do all that. As a United States citizen I dont appreciate how I was talked and the way the situation was handled. I already reached out too the XXXX and their helping me out with this situation too make sure it gets resolved, honestly I felt like all this happen because Im a XXXX XXXX.I was highly embarrassed, I have 3 witnesses my girlfriend who was with me, the XXXX adjuster who issued me the check on the phone while all this took place, and the bank manager who helped me getting the check cashed.
Product: Mortgage

On XX/XX/year> I spoke with representative XXXX with Shellpoint Mortgage Service about unapplied funds in the amount of {$1100.00} and why I no longer saw them in posted in the unapplied/suspense account. He advised after record searching that they were arbitrarily applied to late fees in XX/XX/year>. I did not authorize this nor was I made aware that it would occur without my direction. In addition, I asked why was it applied to late fees and not the mortgage when I was behind XXXX month? I was advised that the system did it arbitrarily? I advised that was improper and that the funds should have only been applied to escrow, principal or interest not company fees especially when the account was deficient. I escalated my complaint and subsequently made an additional payment that with the unapplied funds be equal to the mortgage due. I was advised that the account would be amended in XXXX hours or less. I also requested a call back in regards. As of this date neither action has occurred. I don't see the {$1100.00} anywhere listed on the account as pending or otherwise in addition to the amount of {$1900.00} sitting in unapplied and not as payment to rectify the monthly balance of my mortgage. As of today nothing has been done.
Product: Checking or savings account

Somehow I got my accounts mixed up in a purchase that was suppose to be linked to my bank account instead it was my saving account which had no funds in it, however Schools first proceed to charge an nsf fee for something they didn't even pay 4 times over. This should have been automatically rejected and no fee assist. I would think an nsf fee should only apply when an item is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion background information is beyond the reasonable time frame for remaining in any reporting of my driving record or other background information. Ive done what is obligated to never see anything appear on my background report XXXX is ridiculously and out right insane to report anything beyond a 10yr mark especially traffic violations and cases of which are incorrectly stated and reflection as the law has it today states it is misinformation there's nothing to expose. Any crime conviction is reduced to lowest level and these are inaccuracies and ancient and should never be allowed to be seen unless by a judge in a trial or courtroom. Please correct these things and no longer should appear in my history of any kind. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the debt that XXXX XXXX is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
Product: Credit card or prepaid card

In my move from New York to Virginia in XXXX of 2017, I would receive XXXX   XXXX XXXX  bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.
Product: Debt collection

XXXX XXXX credit card w Citibank We moved and we didnt receive notice from XXXX XXXX and they reported in paid balance {$200.00} and its ruined my credit score and I have tried to resolve w no luck and they wont except phone calls only fax w 60 day turn Arounc
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to file a complaint against Equifax My credit reports in the other company is good But my credit report is always go low with them My credit score in the other agency is XXXX but with equifax is XXXX Although I have no collections or any account open no late payments I have 2 open credit But it is not mentioned in my report They always keep other information that have been existing or incorrect information about me they have accounts 12 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Product: Credit card or prepaid card

I have had an XXXX XXXX XXXX issued by Barcklays Bank of Delaware for some years. Since the card was approaching its expiration date of XX/XX/2022, I contacted the company in XXXX and asked them to send a replacement card to my address in XXXX. They said they had sent one earlier but it never arrived. I asked them to send it express, since the expiration date was near, and they agreed on XX/XX/XXXX to do so, charged me {$15.00} for it, and then said they could not send it express after all and sent it by regular mail on XX/XX/XXXX. I waited weeks, called several times, but it never arrived. On XX/XX/XXXX they agreed to send another card, did nothing until XX/XX/XXXX, and then sent it express by XXXX -- exactly what they had claimed they could not do -- but did it WITHOUT GETTING A TRACKING NUMBER even though I had EXPXRESSLY told them to get one so I could know where it was. It has not arrived XXXX weeks later, and with no tracking number I have no way of knowing if it was held by customs, was lost, or anything else. I have had no usable card this entire time, since they cancelled the existing account when they sent the first card in XXXX ; I can not pay my bills, my monthly payments are being denied and services cut off XXXX after another, my credit rating is suffering because I am delinquent on payments, and despite REPEATED calls to Barclays all they do is tell me to wait and offer to start the whole process over again from the beginning by sending yet ANOTHER card. I can not afford to start over with this long process another time and watch my credit collapse while I wait for the card to arrive. I know how bad they are -- last time I needed a new card they put the XXXX XXXX XXXX on the address instead of XXXX  and it went to XXXX instead of XXXX. They did contact my family in the United States XXXX weeks ago, then sent me an email with a phone number to call. I have called it over and over and over and over and never get anything but an answering machine saying to leave my number and they will call back within 48 hours. I have been leaving the number for XXXX weeks and have not yet received a call back. I told their agents in live conversation at a different number -- and I AM SERIOUS -- to send a courrier to XXXX with the card in his or her pocket ; if they had done so when I asked, this matter would have been settled by now. But they have done nothing, and tell me that if they sent yet another card, it would again be with NO TRACKING NUMBER, leading to the same problem. I need to pay my bills and I need compensation for the damage they have done. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX ACCOUNT WAS PLACED ON MY EXPERIAN, XXXX AND XXXX   CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, EXPERIAN, XXXX & XXXX CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts:XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXX REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Debt collection

Good morning, I am submitting a complaint for the company by the name of Asset Care LLC XXXX XXXX XXXX for the amount of {$520.00}. The account number is XXXX. Date of service XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and requested a bill, she stated one would be sent to me. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX he stated he would have the one person in the company that sends emails out would forward me a copy of the bill XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and he stated there was never a request put in for me to receive an itemized copy of the bill and he would put in the request that day XXXX I spoke with XXXX XXXX Asset Care ) and she stated there was an error with my email and that is when I asked to speak with a supervisor. 

XXXX I spoke transferred to Supervisor XXXX XXXX Asset Care ). XXXX stated they had no access to the bill because they were a 3rd party company and it would take up to 45 days to receive the itemized bill from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.XXXX
Product: Credit reporting or other personal consumer reports

This is my six 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 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}
Product: Debt collection

XXXX XXXX, their representative Shermeta Law Group refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, XXXX XXXX made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
XXXX XXXX refused to acknowledge any issues and upon request, sent inaccurate information in response.
Product: Debt collection

Jefferson Capital systems llc has reported collections on my account. This is in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. I have no idea who Jefferson Capital systems is and I do not owe them anything. I want this removed immediately.
Product: Credit reporting or other personal consumer reports

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from Great Lakes as well as contacted Great Lakes. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

As I already complaint about previously Experian assigned a special representative   XXXX   XXXX   XXXX    XXXX  most of the time he 's not available, since I have complained to the CFPB they became even more difficult, today as a revenge, they stop 'd talking to me over the phone, telling me I have different rules then everybody else, and I an only write in for any requests, discriminating against me.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting 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 ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS 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. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$1400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I tried to register for an account with XXXX XXXX online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.
Product: Credit reporting or other personal consumer reports

The late payments reflected do not align with my usual payment patterns.
Product: Credit reporting, credit repair services, or other personal consumer reports

COM CREDIT SOLUTIONS HAS ENTERED A COLLECTION AS OF XX/XX/19, ON BEHALF OF XXXX XXXX IN THE AMOUNT OF {$1700.00}. 

THIS DEBT IS NOT MINE. IT IS FRAUDULENT. I AM NOT ABLE TO VALIDATE THIS DEBT. I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORTS ASAP.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the result of identity theft. I initiated to contact with the company associated with this account, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the account continues to be reported on my credit report by your bureau. 

In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report. 

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

I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.