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

XX/XX/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX FL XXXX XXXX  DISPUTE FRAUD DEPT PO Box XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX XXXX  XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX | XXXX Under investigation fr om previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXXXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX, XXXX  | Date of Inquiry XXXX XX/XX/2019 XXXX XXXX XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX XXXX XXXX XXXX Date Reported XXXXDate Assigned XX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).

General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed the following item on my credit report. THIS IS A FALSE INCORRECT INFO REPORTED BY CREDIT COLLECTION AGENCY. I WAS NOTIFIED BY THE XXXX AT DEPT OF JUSTICE, XXXX ATTORNEYS OFFICE, THIS COLLECTION COMPANY OPERATES UNDER VARIOUS NAMES, CREDIT CONTROL SERVICES, ETC AND HAS NUMEROUS COMPLAINTS IN THEIR DATABASE. THIS IS A FRAUD COLLECTION COMPANY. I HAD AN ACCOUNT WITH XXXX, THE DATE OF COLLECTION IS TOTALLY INCORRECT. I MOVED OUT OF THIS SERVICE ADDRESS IN XXXX OF XXXX, COLLECTION AGENCY IS REPORTING, 1ST DELINQUENCY, XX/XX/2022, WHICH IS TOTALLY FALSE AND INCORRECT. I PAID XXXX XXXX IN FULL. PLS SEE ATTACHED LETTER FROM EXECUTIVE OFFICE OF XXXX, WHERE ITS CLEARLY STATED " UPON FULL PAYMENT, ALL CREDIT COLLECTION MARKS WILL BE REMOVED ''. EQUIFAX HAS BEEN REPORTING FALSE INFO ON MY CREDIT REPORT, THE FIRST DELINQUENCY DATE IS INCORRECT, BALANCE IS INCORRECT, I DISPUTED THIS ITEM 5 TIMES WITH EQUIFAX, STILL THEY HAVE NOT CORRECTED THIS COLLECTION ITEM. UPON DISPUTING THIS ITEM WITH EQUIFAX, THERE IS NO OPTION TO UPLOAD DOCUMENTS, I EVEN CALLED THE CUSTOMER SERVICE, AND SHE SAID IT WILL NOT UPLOAD DOCUMENTS, SO SHE TOOK THIS DISPUTE OVER THE PHONE. HOWEVER, TODAY I RECEIVED THE RESULTS OF THE DISPUTE ( SEE ATTACHED ) IS STILL WRONG AND ITS NOT REMOVED/DELETED PER ORIGINAL CREDITOR XXXX. PLEASE KINDLY HELP ME WITH THIS PROBLEM, THIS IS AFFECTING MY CREDIT SCORE AND I AM UNABLE TO GET HOUSING, CREDIT ETC. I AM ALSO WORKING WITH INVESTIGATORS AT DOJ. THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please XXXX and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
Product: Debt collection

These scammers have called my work repeatedly indicating they are going to server papers. When I call the numbers they leave, I get a fast busy. Today, I received this text message : XXXX XXXX XXXX We have an important matter in our office pertaining to your name and SSN. We do have paperwork scheduled to be delivered today. Please refer to file number XXXX The office number is XXXX. 

When I tried to return the call to tell them I was going to report them, I got a fast busy. Number won't go through.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Incorrect Address : - TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong
Product: Debt collection

Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against Capital One and Capital One Bank USA and there is no third party involved. I have sent out a letter to Capital One mailed certified dating XX/XX/XXXX. Capital One is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave Capital One any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from CAPITAL ONE and CAPITAL ONE BANK USA. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. CAPITAL ONE : XX/XX/XXXX 2. CAPITAL ONE BANK USA NA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If CAPITAL ONE AND CAPITAL ONE BANK USA NA can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold Capital ONE AND CAPITAL ONE BANK USA NA CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO CAPITAL ONE.
Product: Consumer Loan

I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially reached out to Experian on XXXX regarding some unknown accounts that I had no knowledge of. I asked them to open an investigation and they responded on XXXX and XXXX saying that the accounts were verified. I wrote back to them on XXXX asking for them to show me proof of the erroneous information that they were claiming was my debt and were still reporting on my report. Experian again responded on XXXX and XXXX online saying that there has been no changes to the disputed accounts because the companies reporting the information has certified to them that the information is correct. I am appalled and frustrated that such a company who knows the law thinks that they can just send updates online saying that something is verified and ignore my request to show proof that these accounts belong to me. Here are the letters that I sent. I also had unauthorized inquiries on my report which they have yet to respond to my letter about which was sent on XX/XX/2022 asking them to look into unauthorized inquires I had on my report. This entire situation is very damaging to my overall wellbeing and I would like for it to end and just have these erroneous items removed from my report so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXXI add a hard inquiry on my credit reports.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Product: Debt collection

They have an account with XXXX XXXX for XXXX that is not mine. I have sent them everything, including police reports, and they will close it and transfer it to another collection agency. When I dispute it with the other collection agency they transfer it back. I had to hire an attorney for this because they were rude and they, harassed and threatened me.
Product: Credit reporting or other personal consumer reports

Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by Credit Corp Solutions for 2 collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. Credit Corp Solutions did not respond to either request and provide requested information. 

Please remove both collection accounts from my Equifax credit report given this creditor is violating my rights under FCRA.
Product: Money transfer, virtual currency, or money service

I received a text from who I thought was Chase Bank stating they had detected a unauthorized transaction on my account. Phone # it came from XXXX I checked my account didn't see any transactions so I didn't text back. An hour later I received a call from a Unknown # stating her name was XXXX from Chase ID # was XXXX. She told me I needed to verify my identity through my account on XXXX so they can stop the unauthorized charge from going through. She walked me through deactivating my XXXX account through Chase mobile app and activating it again. She told me to send XXXX to my Phone # on XXXX so she can verify who I am, I followed her instructions she then told me to do the same for my High School account. I followed her instructions again for {$470.00}. As soon as I sent the money to myself I thought, she hung up. I checked my accounts and they both showed {$0.00}. She had scammed me for all the money in my account. I called Chase right away and they filed a claim. The CSR from Chase advised me there is a 50/50 chance I will get my $ back and filing a police report will higher my chances.Chase account XXXX
Product: Debt collection

A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening, where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to " remove '' me from my job. Obviously, this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to " remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point, XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid, I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally, the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet, I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately, simply adding to my stress and financial difficulties. Additionally, I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell " someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job, speaking to various people regarding my personal business matters ( NOT allowed ) and harassing me in this fashion.