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

in 2018 an account for an Auto loan appeared on my account from XXXX XXXX XXXX acct # XXXX, address XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
This account is completely Fraudulent. I do not now nor have I ever had a car loan from this company. I request copies of the loan agreement bearing my signature. Proof has never been provided. the other credit reporting agencies have removed this from my credit. there is also no collections on report from this company. I have been a victim of identity theft and this should be remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a freeze on my credit a month ago through Experian. I wasn't give a pin number at that time. I've been trying to remove the freeze by having the pin number resent to me. I have tried using their online service but even though I answer the questions correctly they denied sending me the required pin. I have sent the required form letter with all of the required information, which they received more than a week ago. Their website says that a freeze would be removed within 3 days of receiving the letter. There is no way to actually talk with someone at Experian. I need help getting Experian to unfreeze my credit. Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been compromised in multiple data breaches over the last five years. During this time, a payday loan and a XXXX account were fraudulently opened in my name. Over the past four years, my family and I have been harassed with phone calls at all hours, despite having no business with these companies or receiving any prior correspondence. 

I have repeatedly attempted to dispute these items on my credit report but lacked the knowledge and resources to do so effectively. Now, I am aware of Section 605B of the FCRA regarding identity theft and am prepared to use all available resources to have these fraudulent items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion to remove the delinquencies that should not be on my US Dept of Education account. I have been a student since 2011 and my student loan payments have been in deferment since then. I called XXXX and they have said that they did not report these late payments. Transunion is also showing late payments from XXXX on my account. I submitted a dispute for that as well. XXXX did not process my payment then closed my credit card for no reason which they have already admitted to doing. During the period in which I called XXXX several times to correct this problem, they continued to fraudulently report late payments to the credit bureaus. Knowingly giving false information to the credit bureaus is illegal. Once I submitted a complaint to CFPB, a research analyst in XXXX 's executive office told me that they sent requests to the credit bureaus to remove those late payments. They are still on my credit report with the exception of XXXX.
Product: Debt collection

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XXXX of 2020 with XXXX  XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Product: Debt collection

In XX/XX/ 2021 I requested information to validate this bill reported to my credit file. I never received information that gave to know that this debt belongs to me. I have always had insurance and dont know why I would be getting a medical bill ( {$8100.00} ) this large. I have disputed with the credit reporting agencies and they have not done an investigation of this medical bill. I have not signed any HIPPA release form to release my information
Product: Credit card or prepaid card

I sent this letter with payment to Capital One. 

I have been with you for over 20 years and will be cancelling my credit card due to fraud on your part. I called Capital One many times to resolve this concern to no avail. I have also called the renters insurance company who states two payment have been sent in to Capital One on this matter per the transaction in question on XX/XX/2019. 
I contacted renters insurance on XXXX XXXX, 2019 for insurance and called them on XX/XX/2019 to cancel this insurance as my unit was not available as promised. I spoke to XXXX on XX/XX/2019 with the renter insurance and submitted this request online via email from their website as well. 
On my credit card statement for XXXX there is a transaction recharge for {$290.00}. I spoke to XXXX on XXXX XXXX, 2019 who confirmed with # XXXX that this was resolved. I am being harassed continuously for funds not owed by me. I have been a long standing customer and my time is money which you are taking a lot of at this issue to the point I feel retribution of sort should be refunded to me on this matter. 
There should not be two or three payments to Capital One for one transaction. This is unwarranted. 
XX/XX/XXXX 2019- XXXX XXXX XXXX XXXX {$290.00} ( company returned payment ) XXXX XXXX, 2019 - PURCHASE ADJUSTMENT Insurance ... XXXX - {$290.00} ( charge reversed ) XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - {$290.00} ( charge ) No need for me to make an additional payment for something I never received a service nor goods to pay for ... 

Allowing he credit card institution two payments for nothing. Stealing from a consumer is unethical and will be reported to the appropriate officials. I will not hesitate to pursue legal claims sueing on this discrepancy due to this unreasonable payment you are demanding. 
Per supervisor : XXXX # XXXX My statement for XXXX XXXX, 2019 is accurate. 
Not with the charge of {$290.00} for the XXXX XXXX, 2019 rebill charge. Past charge reversals and payments reimbursements have never been handle this way previously. I dont owe this money and will not pay for something I never received and that you were paid for already. 

I spoke to three other customer service representatives who agreed with me and then after speaking with another department stated that I would need to pay this balance. This makes no sense. 

I was forced to pay an additional {$290.00} with no service or product provided.
Product: Checking or savings account

On XX/XX/year>, two direct deposits were made into my checking account, but I have been unable to access the funds all day long. This is incredibly frustrating, only exacerbated by the fact that Capital One has not released any sort of statement about this widespread outage, and hasnt attempted to provide any reasonable window of when the funds can be accessed. This is totally unacceptable, and I have completely lost faith in Capital One as a bank from which I can withdraw my money on demand.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX Department XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute Regarding Collection/ closed/ charged off Account Reported by XXXX XXXX To Whom It May Concern, I am writing to dispute the collection account listed on my TransUnion credit report, which is attributed to XXXX XXXX. Upon reviewing my credit report, I discovered errors in the reporting of this account, including incomplete account numbers and discrepancies in the information provided. 

Additionally, I wish to emphasize the legal requirement for accurate and consistent information reporting by credit reporting agencies, as outlined in the Fair Credit Reporting Act ( FCRA ). All reported information must be complete, accurate, and verifiable, including ensuring that the entire account number is readable and that each reporting agency has consistent information regarding the reported account. 

FCRA Section 1681e : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. Also, the collection agency has not provided validation information under 12 CFR1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

Additionally, the agency has no authority to furnish any account to a consumer reporting agencies without providing any disclosures without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A ) I request that TransUnion conduct a thorough investigation into these discrepancies and validate the accuracy of the reported collection account. Please ensure that all necessary steps are taken to verify the information before any further actions are taken regarding this account. 

If additional information or documentation is needed from my end to facilitate this investigation, please feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this matter, and I trust that you will address this dispute promptly and effectively. 

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

I have requested my XX/XX/XXXX report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through XXXX XXXX website, and XX/XX/XXXX website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from Equifax despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the Equifax data breach and still don't have access to view the information on my report
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It XXXX Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under XXXX XXXX XXXX ( a ) ( XXXX ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXXXXXX XXXX  Amount Alleged Owed : {$1400.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department XXXX XXXX XXXX and Innovation that XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Equifax must complete this investigation and respond within the XXXX timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I WANT ALL THREE REPORTS TO SHOW A XXXX BALANCE WITH GM FINANCIAL I AM DISPUTING {$1500.00} FOR THE FOLLOWING REASON, 36 MONTHLY PAYMENTS of {$500.00} EXCEEDED MINIMUM PAYMENTS of {$450.00}. THE DIFFERENCE of {$50.00}. x 36 = {$1800.00} PAYMENTS WERE NOT APPLIED ACCURATELY.
Product: Debt collection

I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.
Product: Prepaid card

From XXXXXXXX XXXX XXXX until XXXX of XXXX someone stole my identity and then they had bank cards from bank of america sent out and stole money from my account XXXX of the claims was {$2900.00}, and the other claim was for {$2800.00}, and these XXXX cards were sent to my home address where they stole from my mailbox, the third claim they had my address changed to a different city to a XXXX XXXX and ordered XXXX or XXXX different cards at different times and spent {$6700.00}. I sent to them a supporting document a typed letter from a sworn state XXXX with the state of XXXX XXXX XXXX logo showing dates that I was not able to authorize or even use my card during the dates that all this happened. On the letter even had contact information if they needed to contact the state agent but when I spoke with the supervisor she told me that all these claims show proof of fraud and she doesn't even see where they even see where they took your letter in consideration. I asked her what should I do next and she said that I had already exhausted my reconsideration and there was nothing she could do but that other people contact other agencies to get their issues resolved but being that she is a employee of bank of america she can't tell me what to do exactly. She also stated that she didn't understand why thay approved the one and not the other because it seems to her that all of this shows the same time frame and fraud by most likely the same individual, and XXXX XXXX she said, it shows in your letter that it was impossible for you to authorize any of this because your hands were tied during those dates. If I were you Sir, she said, I would check out other agencies to help you get this resolved, and I said, we are on a recorded line and she said that is correct, and I said thank you and contacted a lawyer who directed me to contact you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This account is not mine. I was sued by Lvnv funding on XXXX XXXX at this time, In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally requested validation of this debt which they did not comply, the judge gave them 30 days to validate the debt which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that XXXX, TRANSUNION AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead XXXX   and TRANSUNION decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet XXXX score dropped back down to XXXX and Transunion took additional 21 points or so from me. XXXX  showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report
Product: Credit reporting or other personal consumer reports

Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) by failing to report accurate and consistent information across all three credit bureaus. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, Equifax continues to inaccurately report XXXX XXXX XXXX on my credit report, even though it has been removed by the other XXXX bureaus. I am demanding the immediate removal of XXXX XXXX XXXX from my Equifax credit report to ensure compliance with the FCRA and maintain accurate reporting across all bureaus. If this is not corrected, I will escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 6 inquiries on my equifax report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Equifax several times, issue still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by XXXX
Product: Credit reporting or other personal consumer reports

I've gone through my credit report and noticed multiple billing issues, particularly with late payments that don't correspond to my consistent payment history.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for Capital One to remove to late payments dated XX/XX/XXXX and XX/XX/XXXX off of my credit report due to a humanitarian hardship. I was hospitalized around that time and lost my job for being hospitalized for 4 weeks and unable to work for 2 months. During that hardship time I missed two payments on my Capital One account. Since then I have remained on time with payments and even paying off my account. I had emailed XXXX XXXX the CEO in hopes that he would apply a humanitarian hardship for those 2 months but his assistant called me back and stated that Capital One would not.
Product: Credit reporting or other personal consumer reports

I PULLED MY REPORTS AND NOTICE SOME UNAUTHROIZED INQUIRIES THAT WERE NOT INIATED BY ME. PLEASE REMOVE AS A RESULTS OF IDENTITY THEFT.