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

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX  Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXXXXXX XXXX XXXX Account type Credit card Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX  Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XX/XX/XXXX I paid the settlement amount of {$900.00} to pay off my {$8900.00} auto loan. The amount stated in the letter sent by XXXX XXXX at Lentegrity was paid with my debit card and I was told my account would be closed. Then a new account was added to my report stating the account was opened XX/XX/XXXX for the amount of {$68000.00}. I sent XXXX XXXX many emails about this error on my credit report. He stated it was an error and he didnt know why that account was showing on my credit report. Now theres a new amount of {$680.00} as a balance. They are refusing to settle the matter and wont email me back. This has affected my credit score and ability to get any other loan. Here is the credit reporter who is in charge of my account through this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Office : XXXX XXXXXXXX XXXX Debt Collector License # XXXX
Product: Credit reporting or other personal consumer reports

This is now my third and final formal dispute with XXXX XXXX, and I am beyond fed up with your blatant disregard for federal law, fraudulent reporting, and reckless mishandling of my disputes. I have given you more than enough time to address these glaring violations, yet you continue to ignore my rights and conduct fraudulent, half-hearted investigations that resolve nothing. Your outright refusal to comply with federal and state laws, particularly the Gramm-Leach-Bliley Act ( 16 CFR Part 313 ), the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ) is not just negligenceit is willful misconduct that has directly harmed my financial stability, credit, and privacy. To make matters worse, XXXX XXXX. has fraudulently reported this account on my TransUnion credit report WITHOUT MY CONSENT. Not only is this unauthorized reporting a direct violation of FCRA sections 1681g ( e ) and 1681s-2, but it is also a clear case of false and misleading credit reporting. What is even more outrageous is that neither XXXX nor XXXX report this accountonly TransUnion. If this account were legitimate, it would be reported consistently across all three bureaus, yet TransUnion is the only one showing this false and unauthorized account. This further proves that XXXX XXXX. is engaged in fraudulent, deceptive, and illegal reporting practices. Despite my repeated disputes and clear objections, XXXX XXXX. has failed to take any meaningful action. You have never provided me the legally required opportunity to OPT OUT of sharing my personal financial information, which is a direct violation of both the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey privacy laws XXXX Instead, you have recklessly mishandled my sensitive financial data, wrongfully reported a fraudulent XXXX account, and further added unauthorized information to my TransUnion credit reportcompounding your gross noncompliance with the law. Your utter failure to conduct a legitimate investigation and your blatant negligence in allowing false information to remain on my credit report are clear violations of FCRA section 1681e ( b ), which mandates maximum possible accuracy in credit reporting. Furthermore, it is evident that XXXX has no regard for identity theft protections under 15 U.S.C. 1681a ( q ) ( 3 ) or dispute-handling standards under 12 U.S.C. 5531. This deliberate noncompliance has caused me financial harm, emotional distress, and lasting damage to my credit. Let me be absolutely clear : XXXX refusal to address my disputes, its fraudulent reporting of a XXXX account on my TransUnion report, and its failure to remove unauthorized accounts from my credit file are flagrant violations of federal law. You are engaging in deceptive and unfair practices, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and I will not tolerate it.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies have reported a fraudulent bankruptcy on my credit reports, first of call no Court in the United States furnishes information to a credit reporting agency such as XXXX, XXXX or XXXX, so how did they obtain this false information? 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to. 

Bankruptcy XXXX XXXX discharged Filed on XX/XX/year> Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had a credit card account that charged off, and I later paid it via the collection company. It was XXXX early XX/XX/XXXX. Experian erroneously reported XXXX day late status for XXXX and XXXX, on the original old/closed tradeline XXXX XXXX XXXX ). This caused my score to dip nearly XXXX points. I disputed this XXXX times. XXXX in writing, XXXX online. Each time to no avail. I want the account to show paid/closed, and with no new negative information in XX/XX/XXXX as this account charged off in XX/XX/XXXX. The XXXX months of late payments in XX/XX/XXXX need to be removed. ( see attached dispute letters detailing the status and history )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX  a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

I have a garnishment in place from Bonneville Billing and Collections. They called me offering a Payment Plan. The amount they quoted me in no way reflected the total amount of the garnishment minus any of the amounts withheld from my paychecks. The collector couldn't adequately explain to me how they got to the total they were quoting me. They stated the reason they were offering the plan was due to them receiving notice from my Payroll that I had been terminated. Once I advised them this was not true, they immediately reversed their offer to place me on an affordable Payment Plan. The collector misrepresented himself as the owner of the company and was condescending and would talk over me.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt.

The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Debt collection

Portfolio Recovery calls from hundreds of different numbers which do not leave messages. I never answer calls on my cellphone from numbers I do not know, but I XXXX search them after the call and always find them to be from Portfolio Recovery. I receive at least 2 calls  a day in this way, never leaving a message.
Product: Mortgage

On XX/XX/ I was defrauded out of my home at closing for {$130000.00}. The loan and promissory note were hypothecated ( seperated ). I am currently facing fraudulent foreclosure and eviction of my property of XXXX XXXX years.
Product: Credit reporting

I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
Product: Vehicle loan or lease

I've asked to refinance I have asked to have another loan modification I'm having problems paying the loan I've lost income I have explained and I just get phone calls pushing me to set up payments I can not set up if I don't I get threatened with repossession so I end up setting up payments that overdraft my checking account
Product: Debt collection

Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Product: Vehicle loan or lease

The car dealership XXXX XXXX is located in XXXX Texas off XXXX XXXX and XXXX XXXX XXXX. This dealership has the old loan for a voluntary repo XXXX XXXX XXXX. 

They refused to remove the year 2020 temporary dealer license plate and allowed the new buyer to use the vehicle and use the tolls resulting in me getting the 3rd notice of non-payment when I haven't received a 1st or 2nd notice of non-payment. 

I am no longer in possession of this vehicle since 2020. I voluntarily gave back this vehicle because XXXX XXXX refused to send me any of the receipts of payments made on the loan agreement. 

I had issues with them not answering my calls or returning my calls regarding the issue with this invalid temporary paper license plate. I feel this is wrong and I need your help to stop further toll bills and to prevent these kind of business practices in the future Thank you,
Product: Debt collection

There are two judgments against me. Both debts are old. 

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XX/XX/XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2,  XXXX cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm Hunt & Henriques. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XX/XX/XXXXmy mom went into retirement due too her health, I lost my job in XX/XX/XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XX/XX/XXXX we were out of the country and in XX/XX/XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting SSI income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by XXXX. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Product: Bank account or service

I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.
Product: Checking or savings account

My Commerce bank account was Hacked on XX/XX/2019. 
I notified Commerce bank immediately of fraud activity. I was given three new cards, that did not work. and was told the money would be returned to my account within 10 business days. It was never returned to me and my account was closed in XXXX of this year. I was also told that someone with a similar account number to mine was changing my pin online and stealing my money. 
I have spoken with Commerce Bank @ XXXX and XXXX with the bank manager and she read the notes, claims that the money was returned to me in XXXX. That is not true because I was still trying to recover the stolen money from my checking account in XX/XX/2019. I turned in all three debit cards to bank manager at XXXX and XXXX in XX/XX/2019 as they did not work. I had no access to that account. The bank manager was to issue me a cashier 's check in XX/XX/2019 and mail it to me in XXXX XXXX, MO. Which to date has never happened. 

The fraud charges : XXXX XXXX at XXXX and XXXX XXXX XXXX, MO {$60.00}. 
XXXX for {$89.00} x 2 = {$170.00} Budget : refund for rental insurance : {$21.00} Total monies never returned to me by Commerce Bank : {$250.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and XXXX XXXX & XXXX  a Non-Government reporting company. Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX XXXX & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of { {$1000.00} }. Midland Has Willfully damaged my reputation by reporting this alleged debt on my consumer reports and also sending alleged debt lawsuit to an incorrect address causing neighbors to view this embarrassment.