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

I am verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is XXXX XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My XXXX has a fraud alert and so does my Equifax no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on my credit report.
Product: Credit reporting or other personal consumer reports

This has never appeared on any of my credit reports. 

This was an account that was paid in full. 

It was never a charge-off. The limit was only {$600.00}
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Debt collection

I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.
Product: Vehicle loan or lease

Wells Fargo Dealership made me pay double on my loan every month for a year or more. They mismanaged my car loan causing me to loose my business and my apartment trying to keep up with the ridiculous payments on my XXXX 
They continually sent me letters saying they had made an error! 
They owe me all the money I paid trying to keep up with the double payments. Compensation for the stress and XXXX and pressure I was under due to trying to make payments I should have never been making. Compensation for demise if my business and living space
Product: Debt collection

Convergent XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX Pledge ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for XXXX. This is a violation of my rights. Convergent has my information without the proper rights to have it. Please investigate Convergent for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. XXXX needs to remove this account right away. Convergent XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like XXXX, Convergent XXXX, XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX or XXXX i send money online in pangea and should be minutes to go to my wallet. bu i never get it and call pangea and told me the other party from ( pay XXXX ) XXXX they already recieved the money. I call pay XXXX and told them they need to put my money ( {$100.00} ) to my niece account. but they told me they never get it to. I call the remitance here where i send my money they told nothing they can do for me.
Product: Mortgage

loan servicer changed and when it changed they lost half of our payment as it is paid in halves we verified with proof of payment from wells fargo they confirmed and said they would get it fixed back in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus XXXX, XXXX and Transunion and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} FIRST TECH FCU {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX THIS INQUIRY DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im reaching out because I noticed an account on my credit report that I absolutely do not recognize. This account is unfamiliar to me, and I have no idea where it came from or how it ended up on my report.
Product: Credit reporting or other personal consumer reports

This bureau refuses to properly add back the missing information that is affecting accounts from being reported to my Equifax File being this address is missing XXXX XXXX XXXX XXXX XXXX OR XXXX that being said missing from accounts being reported to credit bureau report I have called several times I can't even use there upload port to speed up correction add XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> this address needs be also reported along with the other correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Plus have old Equifax reports from last yr showing they orginal had the missing address on report that never should had been removed this is casing damage plus there are 2 unauthorized inquires on my report for accounts that I didnt apply for nor have any services with
Product: Checking or savings account

Capital One us involved in a dispute with my employer. As a result, as of XX/XX/XXXX, they have been retaliating against employees such as myself, by preventing us from accessing the bank 's website for any purpose whatsoever -- including online banking. The computer which my employer issues me is my primary device and it is permanently connected to my office network, which means that constructively, I am perpetually blocked from accessing online banking. 

Capital One is blocking users such as myself from accessing online banking for wholly inappropriate, completely unrelated reasons unrelated to my activity as a customer. Furthermore, because their mobile application is not functionally equal to their online banking portal, they have given me no equivalent recourse. 

Through my employer, I have raised this issue directly with senior management at Capital One ( VP Enterprise Digital Products, and Sr Digital Product Management ), and my employer has specifically guaranteed that only employee-customer traffic will be sent to their office. Nowhere in Capital One 's online banking agreement is this condition imposed in order for me, a private customer, to access my account. However, Capital One has not accepted these terms and continues to block employees such as myself, who are also customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is FACTUAL DATA, COMENITYCAPITAL/ALPH, XXXX XXXX XXXX, XXXX XXXX, RATE GENIUS, UNIVERSAL CREDIT SER.. to whom this XXXX concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : COMENITYCAPITAL/ALPH inquired on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX DATA inquired on XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX, RATE GENIUS inquired on XX/XX/XXXX XXXX, UNIVERSAL CREDIT SER inquired on XX/XX/XXXX XXXX XXXX CREDIT/MICHAELS XXXX inquired on XX/XX/XXXX XXXX, LP/DMS/AFFINITY FCU/AM inquired on XX/XX/XXXX XXXX, NOWCOM/WESTLAKE FINANC inquired on XX/XX/XXXX XXXX, ONEMAIN inquired on XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX BANK inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX, REGIONAL XXXX inquired XXXX XX/XX/XXXX XXXX XXXX UNIVERSAL CR inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under XXXX XXXX Code XXXX Congressional findings and statement of XXXX ( XXXX ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX XXXX The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  : # XXXX, has violated my rights. 
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, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Innovis consumer credit report sent to me via mail.
Product: Credit reporting or other personal consumer reports

These inquiries are listed on my credit report. I believe it due to a breach to Experian. The following inquiries are not mine : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency , block and remove information from my consumer credit report that resulted from identity theft and fraud within 4 business days of receiving this complaint. I am deeply concerned about the inaccuracies on my report, which are detailed below. 

The fraudulent information includes five collections accounts and charge-offs : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX These fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing significant stress. I demand the removal of these fraudulent items from all my credit reports and the cessation of any collection activities related to these accounts, in accordance with my rights under FCRA and FDCPA laws. For verification, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX ) from the US Federal Trade Commission, confirming that these credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it was not submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting company in regards to an unauthorized inquiry dated XX/XX/21, however I can not get ahold of anyone in credit dept. I did not apply for an account with SoFi.