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

XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Product: Debt collection

there was a fraudulent credit card open in my name in 2017. it was maxed out and is reporting as a collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Debt collection

I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuse to correct wrong infomation there is infomation on my report that is not mine. I dont have any mortage on house or do i have car loans and address on here that are mine. And companies that i never worked at and credit cards that are not mine plus two account one s student loan that i never applied for our attended the school and i dont have any doucment saying that i was accepted at school and i spoke to the school at time when the deptartment of education started hassaring about the loan and school told me that i dont owe them or dept of education.and i have medical bill that was supposed to closed.and the worst part is they asked a question about my mother who has been died since XXXX.this very get me angry .who dare they bring my dead mother up. I want this infomation removed from my report. There address that are wrong and half them i never lived there.am tried of this These debit are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX  has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Product: Debt collection

Claims they are the company ( false representation ) attorney claims they have tried to contact me. I have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person at was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, elderly parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX. Per XXXX XXXX XXXX they sold to debt collector Alliant Capital Management who has violated several ways, that are aganist the law. They have to verify this debt is mine. They have to prove the debt is real. They have to prove they are authorized to collect debt. Never received a debt validation letter. Never seen this company license, are they even a legitimate company. They have validated the law. Called at work several times, not able to get calls at work or have visitors. Also harassed, oppressed, and abused me over the phone. Also life to me, falsely applied I committed a crime. Used unfair practices to attempt to collect a debt with no proof. Concealed his identity, did not give me any information, would not listen, rude, nasty, disrespectful, and hung up. Impersonated they are XXXX XXXX   XXXX Attorney based on my first complaint they are not their attorney. They sold them to a debt management company called Alliant. My rights have been violated under FDCPA. This a third party collector. According to XXXX XXXX XXXX this is the company number who harassed me at XXXX at Alliant Capital Management.
Product: Credit card or prepaid card

I had my identity stolen back on XX/XX/XXXX and had gotten my credit report the day after ( XX/XX/XXXX ) and gotten XXXX to combat any further fraud used to open more credit cards etc. I had already pin pointed one potential credit card that was open along with two other loans that are in the process of being disputed. Today ( XX/XX/XXXX ) I wanted to check on a new updated credit report to see if everything had been secure mostly and no new credit cards or loans were taken out under my name. That is when I found out there had been a credit card that was fully processed and sent out named Fortiva? In which the identity thief had charged over {$5000.00} within the past few days that had decreased my credit tremendously. I had call their phone number and fraud department however they stated I would have to wait 7-10 business days. I do not want to waste time by waiting for the credit card company to take action. Over {$5000.00} in the past few days should have been a red flag and I was never notified as they had stolen my identity to do so. Please if possible help me.
Product: Student loan

I qualify for PSLF. I have submitted the needed documentation over the years. Well I have finally met the XXXX payments. The PSLF tracker though is stuck on XXXX payments. I have resubmitted my employment verification twice but MOHELA has not updated my account. I am now over XXXX payments and still having to make them because of their error. When I try to go to the federal loan site, it says that I have not yet made all XXXX payments, therefore I can not apply for the forgiveness. 

I would like the tracker updated, the loans forgiven, and a refund of both payments over XXXX and amounts paid during the pandemic pause. 

Thank you
Product: Vehicle loan or lease

XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been trying for almost 2 years to have a credit freeze lifted from Transunion. They keep telling me that I do not have one but I can't purchase a vehicle due to the credit run shows a freeze. I asked for a manger to callback and it's been 1 year since that request. Having to hold for for over an hour has just discouraged me from calling back. Pease help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Citicard CBNA XXXX XXXX  These companies are reporting accounts late without my permission
Product: Student loan

To date Navient states I'm responsible for a balance of {$900.00} plus but I'm still enrolled in school and the company states my school is not eligible for the " In School Deferment '' when I've been a student at the school since XX/XX/2014. I'm receiving harassing phone calls and emails, missed payments on my credit report when I haven't even graduated nor stopped going to school. I believe they are trying to scam me into paying something I am not yet required to pay since I'm still enrolled in school as my educational institution has reported my enrollment status to the clearinghouse. Navient is scamming people out of money and reporting bad information on credit reports for their own personal gains.
Product: Debt collection

They skip-traced and contacted my relative for some reason even though the creditor supplied my contact information that never changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting

I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed.
Product: Prepaid card

I have 3 AMEX gift cards with balances of {$20.00} {$140.00} and {$290.00} I have not been able to use the card online. Several times I thought the card worked only to find my personal account was billed as a back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter I sent to Bureaus on XXXX XXXX and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider responsible for this ISSUE. 
The items listed below need to remove from my file : XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 XXXX
Product: Credit card or prepaid card

I got a credit offer for 12 months without interest, the last month to pay was XX/XX/XXXX and pay the whole amount in the middle of XX/XX/XXXX but bank put more than {$200.00} of interest for all the 12 months because I need it to pay before XX/XX/XXXX. 
I have called customer services and they haven't help. I asked them to charge me interest only for the days after the promotion but they want to charge all the 12 months. The bank keeps adding fees!
Product: Vehicle loan or lease

Every single day 2 or 3 times started back in XXXX XXXX Was in Major car accident
Product: Debt collection

This company calls me nearly every day, requesting my personal information. Every time I answer, I ask them to communicate with me only in writing and to stop calling me. They refuse and continue to call and harass me though I have not received any communication from them in writing. They continue to ask me for my personal information such as my date of birth and physical address, which leads me to believe that they are attempting to scam me. They have called me 5 separate times over the past week and they continue to ignore my request for them to stop calling me and to communicate with me in writing via mail.
Product: Debt collection

In XX/XX/XXXX, I was notified of a {$900.00} unpaid balance of medical collections. I immediately contacted the provider, as it should have been covered by insurance. They informed me that they had billed the insurance wrong, and would reprocess the claim. It was then approved through XXXX and a check was sent to me directly for {$700.00} to pay the collection agency, with a remaining balance of {$200.00} to be paid by my secondary insurance, XXXX. I believed the bill to be paid and never received any further notice. In XXXX of XXXX, I reviewed my credit file and saw the collections account was still there with a {$200.00} balance. I contacted AmeriFinancial Solutions LLC and they directed me to the provider, XXXX XXXX XXXX or XXXX West Virginia. I then contacted them and they told me that they never did bill XXXX and refused to bill for the amount since the hospital had been taken over by new owners. I immediately paid off the remaining balance, even though it should have been covered. I again contact AmeriFinancial Solutions LLC to remove the debt on my credit report and they refused. 

This should not be affecting me, as it was a business error by the provider, who made errors in billing. When I finally found out the issue, I immediately paid off the balance. Additionally, in the lapse of two years, they never once attempted to contact me to resolve the issue. Please help me in getting this debt collection removed from my XXXX, XXXX, and XXXX credit reports.