23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from LJ Ross Associates ( https : //www.ljross.com/ ) on XX/XX/20. The very rude individual claimed that I owed XXXX XXXX XXXX XXXX XXXX {$68.00}. 

I had lived in the greater XXXX XXXX area 2 years ago. They correctly stated my street address from that residence. 

Due to the aggressive nature of the call and my knowledge that I did not owe XXXX XXXX XXXX anything, I ended the call. I then called XXXX XXXX XXXX, who researched my past account and verified that I had paid all balances and closed the account properly. They also verified that they had not enlisted a collections agency as I had no debt with them. 

I called LJ Ross Associates the next day ( XX/XX/20 ). The same person answered the phone ( a very young-sounding female ). She was able to identify my account from my phone number, but incorrectly gave my address as the title company in XXXX, CA that handled my home sale. She then correctly stated my prior home address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA ). 

I informed her about my conversation with XXXX XXXX XXXX. She told me that was not true, and that they had been retained by XXXX XXXX XXXX Accounts Payable, and that I should call them and talk to a Supervisor. I informed her I had spoked to a Supervisor, and again informed her what they had said. She said that they had all my info, including my social security number, and that if I did not pay they would escalate collection procedures. 

I asked what State they operated in, as I was going to call law enforcement. She said " Good luck with that '' and hung up. 

I am very concerned that this entity has my information. Please direct me how I can file a claim against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXXXXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.
Product: Debt collection

FAIRWAY CAPITAL RECOVERY XXXX XXXX XXXX XXXX  I have disputed this account with the credit bureau, and the collection agency. I have sent in my FTC report that confirms identity theft.
Product: Mortgage

I have been given false hopes or discriminated or treated unfairly. I have been working for 5 months with AFN with a senior loan officer who has been misleading me and getting information with no result twice after telling me I was prequalified preapproved for a refinance cash out which I have been trying to accomplish. Twice she pulled my credit causing me to get my numbers lowered or questioned by credit bureaus unnecessarily except the first one. Later, she revealed to me that her company was pressuring her personally to submit applications and she admitted that my loan is rejected but the company would not give me the real reason for the denial. She is leaving the company and she would like me to apply with her new company since it is a better company. She revealed that my separation agreement is a concern and that the dots do not connect she was told verbally and via internal email she could not share. I submitted a legal document regarding my separation and gave all the information required. I was treated unfairly with no good faith to make this a reality. I spent a lot of time losing time and money with false hopes and till date I have no written reply from the company. The loan officer has left to another company supposedly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to the credit Bureaus today to inform that 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 : //www.ftc.gov 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

I have tried multiple times and was unable to get a hold of the servicer from XXXX to the present. They have it listed online due to high call volumes. Customers are not able to get a hold of them. During this timeframe, I was charged a lot of interest from them. It has accumulated {$510.00} of interest. I applied for the XXXX XXXXXXXX in XXXX and they finally processed it in XXXX. During that time, I filed a complaint with the Department of Education on XXXX Feedback Case # XXXX. It's still being reviewed and no action. On XX/XX/XXXX, I was able to get in touch with the customer service department and there wasn't anything they could do about the interest. I spoke with a supervisor and she said they would process a complaint about the interest and would be reviewed by federal student aid. Overall, the whole process has been a headache and very time-consuming.
Product: Debt collection

XXXX and XXXX did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year 2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On XXXX : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On TransUnion : XXXX Opened XX/XX/XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX stated that the itemed had been removed. collections, names, addresses as well as incorrect negative reporting accounts. Now they are al back on.
Product: Credit reporting or other personal consumer reports

Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These are company 's that are giving false information because I applied for anything or know anything thing about these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME I AM ENCLOSING A LETTER OF EXPLANATION ON ALL OF THESE ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to properly verify a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation, they have not provided actual proof that this debt is accurate or that I am legally responsible for it. 

XXXX. Details of the Dispute On XX/XX/24, I submitted a dispute to TransUnion, requesting validation of a debt that appears on my credit report. 
On XX/XX/24, they responded, stating the debt was verified but failed to provide supporting documentation such as an original signed agreement or itemized account statements. 
On XX/XX/24, I sent a Method of Verification ( MOV ) request via certified mail, asking how they verified the debt and requesting details of the verifying party. 
TransUnion did not provide the requested documentation but continues to report the debt. 

XXXX. FCRA Violations Failure to Properly Investigate Under 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable investigation and provide documentation if requested. 
Continued Reporting of Unverified Debt The bureau has not provided proof that this debt is valid, yet they continue to report it. 
Lack of Transparency They refuse to disclose how they verified the debt, which violates my consumer rights under the FCRA. 

XXXX. Desired Resolution I request the immediate deletion of this unverified debt from my credit report. If TransUnion can provide actual documentation proving that I owe this debt, I request they send it to me. Otherwise, they must remove it. 

XXXX. Supporting Documents I have attached : My original dispute letter The credit bureaus response My Method of Verification ( MOV ) request A copy of my credit report showing the disputed debt
Product: Credit card or prepaid card

A Target XXXXCard account was opened in my name on XX/XX/2023. I received an alert from Target and XXXX on XX/XX/2023, alerting me to the fraudulent account. I contacted Target on XX/XX/2023 and they were able to verify my identity, close the account and recommend next steps ( alert CFPB and credit bureaus ). They said no charges had been made on the card yet. They will be sending me a report to complete and mail back with additional information they need in order to close the case. I have updated my email password and verified that my correct information is on file with Target. I have attached copies of the emails from Target and XXXX.
Product: Credit reporting or other personal consumer reports

I was informed by a representative of the XXXX XXXX XXXX that LexisNexis is reporting inaccurate information about my driving history, suggesting that I was involved in an accident that never took place. I therefore requested a copy of my LexisNexis driving history report directly from LexisNexis. I did this on two different occasions using their website interface ( their preferred method of requesting these reports ). My first request was made on XX/XX/year> ; my second request was made on XX/XX/year>. On both occasions, Lexis/Nexis refused to provide the report. Instead, they sent a denial letter. They did not give a clear and definite reason for making their refusal, other than that they claimed they were unable to " authenticate '' my identity. However, on both occasions, I entered all of the information that they requested, including my driver 's license number. I then contacted their customer service department to request the report verbally. Again, I provided all the information that was requested, including my driver 's license number. This was at the beginning of XXXX. The customer service representative insisted that all information looked correct and complete and that I would be receiving a hard copy report by mail within the federally mandated response time. At the conclusion of the call, I again asked the customer service rep to make sure that there were no potential problems with the request and was assured that I would be receiving a report. I have not received the aforementioned report, and in this last instance, I did not even receive a letter from Lexis/Nexis denying my request. Instead, they seem to have simply ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding has been reporting changes to my balance either up a few dollars or down a few dollars to keep my account in current bad standing but this account is paid in full and even if it wasn't the balance would not go up or down ( unless paid ) a few dollars at a time it was placed as a garnishment with a fixed amount. All of the Midland funding reports on my credit are inaccurate. These accounts were paid in full with my taxes. The last payment was in XXXX of 2021. They are still reporting that I owe the full amount. I have a letter from them and the judgement saying this debt is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax that I was a victim if identity theft and that these are accounts and inquiries that are reported on my FTC report are fraudulent accounts. I would greatly appreciate your assistance in this matter. XXXX and XXXX have since removed these fraudulent accounts and inquiries. These is always an issue with Equifax following the FCRA guidelines and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.
Product: Vehicle loan or lease

I was listed as co-signer for a business lease. During the lease all payments were made on time. At the end of the lease, the business asked Toyota Financial to extend the least another 6 months and remove me ( cosigner ) from the lease. Toyota extended the lease, but did not notify me of the lease extension nor did they remove me as the co-signer. Lease payments were not made by company on time during this period, but it was during COVID, so they were not performing any collections activity during this time. Per the lease contract, section 42, Toyota was supposed to send me notices of delinquency so I could correct the delinquency and make payments. They failed to contact me or send any delinquency notices to my address that they had on file. The only notice they sent during the past due period was a general COVID-19 notice about the resuming of general collections activity. There was no notice that the account was delinquent or active. The other notice I received was on XX/XX/XXXX and I immediately called and was told that the account was current and there was no late reporting. The lease ended in XXXX of XXXX but they did not report the account late until XXXX of XXXX, 9 months after the last payment. I have disputed with Toyota, but they do not have someone that I can speak with directly. Their team can only take my request and then send it to their credit reporting team. They have only come back as " payments were late '' but not acknowledging that I was never given the chance to correct the delinquencies as the co-signer and they do not acknowledge that they did not abide by the contract terms by failing to send me ( co-signer ) deliquency notices.
Product: Student loan

I had my loans with XXXX until this fall when they were consolidated. In May my loans were on the REPAYE plan, in XXXX they switched to XXXX. This information was never provided to the Student Aid website. My loans were then consolidated and are now with MOHELA. My loans remain on a standard plan, they are in administrative forbearance, Im listed as having to make a payment in XXXX, but the payment plan was never updated on their website or the student aid website. This shouldve been updated in XXXX by XXXX and now with MOHELA. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX  and am applying for loan forgiveness and my loans are listed as ineligible because of their payment plan status. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

Our Chase Sapphire card was hacked online with XXXX XX/XX/XXXX. Chase Sapphire contacted us on XX/XX/XXXX and issued us 2 new credit cards. One for myself and the other to my husband who is currently in XXXX. I received my card in the US within 5-7 days. I was informed that my husband s card would reach him by XX/XX/XXXX. When this did not occur, l called to inform them that the card was not received on XX/XX/XXXX. Customer Service supervisor informed me that l was given the incorrect information and that it takes a month to arrive in XXXX. It is now over 30 days and my husband has not received his card. They are unprofessional, disrespectful to consumers and do not care that we are not able to make purchases. I have informed them that we have a large payment to make before XX/XX/year>. They have shown no concern except to state they will research it. I have asked them to XXXX XXXX the card to XXXX. They have ignored my request. If this card does not arrive in time we will send them the late charge fee given to us for late payment. We would like you to look into their disrespect to THEIR customers and XXXX XXXX the card to XXXX today. Please penalize Chase XXXX.
Product: Student loan

I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. 
The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. 
They are not reliable or trustworthy